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TransUnion Review

As one of the three major credit bureaus, TransUnion offers some features that are hard to find, including FICO and VantageScores as well as business-specific services. However, the inability to see your Equifax or Experian scores puts them behind the top two major credit bureaus. Sign Up

Cliff Brody

Cliff Brody

Credit Report Expert

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Updated: October 23, 2014

The Good

Excellent online tools:

TransUnion enables you to create an online account where you can view and monitor your TransUnion credit report and score, alerts associated with your credit score, and summaries of your total debt and credit limit. If you find incorrect items on your credit report, you can file a dispute online, a convenient option not offered by many other companies. Also, if you choose to sign up for TransUnion's credit monitoring service, you are able to view alerts associated with your credit scores for any of the three major credit reporting agencies. This is a great feature if you're interested in keeping a close eye on your credit scores, as it immediately lets you know if anything appears out of the ordinary.

FICO and VantageScore available:

While TransUnion takes a bit of a hit in the rankings for not offering Equifax or Experian scores, it somewhat makes up for it by offering FICO and VantageScores. FICO scores are the scores most commonly used by lenders to determine creditworthiness. VantageScore is less commonly used, but it serves a similar purpose. Surprisingly, even though these scores are used so frequently by lenders, it is a little more difficult for the average consumer to find them. The fact that TransUnion offers both of them in addition to its TransUnion credit score is a huge plus.

Financial management resources:

In addition to providing credit scores and reports, TransUnion also has tools available to help you track and manage your finances. With the TransUnion Plus Money Manager, you can track your credit score over time and get alerts when changes are made to your accounts. You can also set up mobile and email alerts for when your bills are due, which helps you avoid missing payments. Another benefit of signing up with TransUnion Plus Money Manager is the ability to view your VantageScore and update it up to twice a month. This gives you an accurate idea of what your score is and whether it's moving in a positive or negative direction.

Business services offered:

TransUnion offers tools and services custom made for the business owner, whether you own a small business or a corporation. This is an excellent bonus since no company outside of the three major credit bureaus offers these types of services. In addition to the TransUnion credit report and score, businesses can also take advantage of marketing tools, consumer credit data, and debt collection tools. Much like the services provided for an individual, the company offers various fraud protection tools designed to stop an identity thief from damaging your business' creditworthiness.

The Bad

No access to Equifax or Experian reports:

Unlike Equifax and Experian, TransUnion surprisingly does not provide reports or scores from all three bureaus. If you're interested in seeing more than just your TransUnion credit report, you must look at a different company.

The Details

Details
Automatically Enrolled in Credit Monitoring Yes
Available Reports TransUnion
Available Scores TransUnion, FICO, Vantage
Length of Free Trial Period 7 days
Monthly Monitoring Fee After Free Trial $16.95
One-Time Credit Report Price Free
One-Time Credit Score Price Free

Features

Credit Monitoring

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  • Email Notifications - You can receive email notifications of major changes to your credit score.
  • Equifax Monitoring - The credit company provides 24/7 monitoring of your Equifax credit file.
  • Experian Monitoring - The credit company provides 24/7 monitoring of your Experian credit file.
  • Identity Theft Protection - The credit score company will monitor your personal information and help you protect against identity theft.
  • Monthly Credit Statement - The credit score company provides a monthly credit statement.
  • TransUnion Monitoring - The credit company provides 24/7 monitoring of your TransUnion credit file.
  • FICO Monitoring - The credit company monitors your FICO scores.
  • Text Notifications - You can receive text notifications of major changes to your credit score.

Credit Reports

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Credit Scores

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Report Content

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Online Tools

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Support

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Learning Materials

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Mobile

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Pricing

TransUnion Credit Monitoring

$17.95/month

TransUnion Credit Monitoring includes immedate access to your TransUnion credit score with new updates every 30 days. There is a seven-day free trial available. TransUnion also offers three-bureau credit monitoring, which will monitor all three of your credit reports and scores.

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