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.
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.
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.
Missing a mobile app:
TransUnion is the only one of the three major credit bureaus that does not offer a mobile app to its customers. Although this is not likely to be a serious issue when searching for a credit report company, having access to a mobile app makes it easier to stay connected to your account on the go. Mobile apps enable you to get alerts of changes to your account and view your credit score from anywhere. If you're interested in having this kind of capability, it's probably a better idea to go with a company like Equifax.
Automatically Enrolled in Credit Monitoring
TransUnion, FICO, Vantage
Length of Free Trial Period
Monthly Monitoring Fee After Free Trial
One-Time Credit Report Price
One-Time Credit Score Price
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.
Business Credit Report - You can get a business credit report from the credit report company.
Free Credit Report - The credit report company offers access to a free credit report.
One-Time Report - You can get a one-time credit report for a flat fee.
TransUnion Report - The credit company provides access to your TransUnion credit report.
3 Bureau Credit Report - You can get a credit report from the big three credit agencies.
Equifax Report - The credit company provides access to your Equifax credit report.
Experian Report - The credit company provides access to your Experian credit report.
FICO Score - The credit report company provides access to your FICO credit score.
Instant Access - You have instant online access to your credit scores.
TransUnion Score - The credit report company provides access to your TransUnion credit score.
VantageScore - The credit report company provides access to your VantageScore.
Equifax Score - The credit report company provides access to your Equifax credit score.
Experian Score - The credit report company provides access to your Experian credit score.
Account Balances - The credit report displays the balance on existing loans or credit accounts.
Credit Inquiries - The credit report displays the names of companies that have made inquiries regarding your credit history.
Credit Score Factors - The credit report presents a summary of positive and negative factors that impact your score.
Hard Inquiries - The credit report includes hard inquiries on your credit history.
New Credit Accounts - The credit report displays the creation of new credit accounts.
Public Records Report - The credit report company includes any information about you from public records.
Soft Inquiries - The credit report includes soft inquiries on your credit history when you request the report.
Dashboard - Your online account has a dashboard featuring important credit-related information.
Debt Profile - Your online account includes a summary of your total debt.
Dispute Incorrect Items - You can dispute incorrect items on your credit history online.
Online Account - You can create an online account to view and monitor your credit information.
Total Credit - Your online account provides a summary of your total credit limit.
View Alerts - You can view alerts associated with your credit score online.
Score Estimator - A tool exists that allows you to simulate how your future financial decisions might affect your credit score.
Email - The company has an email or ticket system dedicated to support.
Phone - You can contact the company by phone to get support.
Social Media - You can contact the company with questions through social media websites.
Live Chat - The company offers live chat support.
FAQs - The company provides a list of answers to frequently asked questions.
Knowledge Base - The company provides a knowledge base of detailed help articles.
Blog - The company maintains a blog with useful industry-related articles, tips, or other valuable content.
Video Tutorials - The company provides video tutorials.
Access Account - You can access your credit report account from a mobile device.
Android App - The credit report company offers an Android-specific app.
Favorable Reviews - The credit report company has a combined 3.5 stars or greater for their iPhone and Android apps.
Get Credit Score - You can get your credit score through the mobile app.
iPhone App - The credit report company offers an iPhone-specific app.
Mobile Alerts - You can receive alerts for certain changes to your credit score.
Mobile Website - The credit report company provides a mobile-specific website.
Tablet - The credit report company offers a tablet-based app.
TransUnion Credit Monitoring
3-Bureau Credit Monitoring
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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