TransUnion Reviews
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About TransUnion
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TransUnion is one of the three national credit reporting agencies, along with Equifax and Experian. Lenders, landlords, employers and other companies may pull credit reports from one or more of these bureaus. You can request a free copy of your TransUnion credit report once per year, or you can purchase credit monitoring for daily updates on your score and credit activity. This company also provides educational resources, consumer assistance services and other helpful tools for people looking to take control of their credit.
- Credit monitoring services
- Credit offers
- Free annual credit score
- May differ from other bureaus
- Monthly cost for monitoring
What is a TransUnion credit score?
TransUnion maintains a database of consumer information and assigns people credit scores based on those details. Under the Fair and Accurate Credit Transactions Act (FACTA), you can request your credit report for free on Transunion’s website once per year. If you prefer real-time updates, you can sign up for its credit monitoring services that provide daily credit score updates, credit recommendations and online credit locks.
In addition to monitoring services, TransUnion offers free identity theft protection, financial calculators and credit offers. Its consumer assistance team can help with credit needs like disputed items, credit freezes, fraud alerts and assistance for active-duty military personnel. Consumers can also browse TransUnion’s credit education section to learn more about topics like debt, credit bureaus, mortgages and more.
Cost of TransUnion credit report
TransUnion’s credit monitoring services cost $24.95 per month and include daily credit updates, recommendations, credit locks, monthly tips and more. All consumers are entitled to one free credit report per year, and you can request this report online.
Transunion also provides free disputes on inquiries, credit score drops, personal information and incorrect accounts. It offers free identity theft protection through TrueIdentity and does not require a credit card to sign up. For pricing on TransUnion business services, contact one of its client support specialists.
TransUnion FAQ
What is a good TransUnion credit score?
A good TransUnion score ranges from 700 to 850. However, you can still qualify for lending opportunities and pass other credit checks with a score lower than 700.
What is your TransUnion credit score used for?
TransUnion credit scores are used to confirm your creditworthiness when you’re borrowing money, interviewing for certain jobs or applying for rental properties. You can request a copy of your credit report to see what creditors and others see when they check your credit.
What does TransUnion do?
TransUnion is one of the three major credit bureaus that compile data to create a credit score for each consumer. It lets you see your credit report for free once per year or with a subscription to its credit monitoring service.
What banks use TransUnion?
Many banks and lenders check all three credit bureaus, but this will vary from bank to bank. To confirm which agency your bank uses, check its website.
What lenders use TransUnion?
Most lenders check all three credit bureaus, but some have their own proprietary system for evaluating consumer credit. Check with your lender for more information on which agencies it uses.
Still have questions?
Is TransUnion legit?
TransUnion is one of the three major credit bureaus, and it has a strong reputation for providing reliable, consistent credit scores. It offers credit monitoring services, fraud alerts, identity theft protection and other useful services to help consumers maximize their credit. By working on their TransUnion score, people can improve their credit standing with lenders, employers, landlords and more.
TransUnion Reviews
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- 4,889,664 reviews on ConsumerAffairs are verified.
- We require contact information to ensure our reviewers are real.
- We use intelligent software that helps us maintain the integrity of reviews.
- Our moderators read all reviews to verify quality and helpfulness.
Reviewed May 28, 2026
Unable to access my account. Using correct username/email and password. Nothing worked. Clicked on their Login help link. "Sorry something went wrong was returned". I was easily able to login to the (2) other credit reporting bureaus. What's wrong with TransUnion?
Reviewed May 24, 2026
Their automated number and website is not helpful at all. TransUnion sucks.
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Reviewed May 21, 2026
TransUnion customer service is the worst customer service I have ever experienced. I was turned down for credit because according to the report I don't have any credit. This means I don't have a credit score either. Experian and Equifax have 40 years worth of credit history. The company I applied with only uses Transunion. The whole thing is very stressful. They would send me a credit report but they can't verify that I am me...
Reviewed May 20, 2026
Why did my credit rating drop a hundred points. And who is sitting in the meetings, or not, making these decisions. This is outrageous.
Reviewed May 19, 2026
On May 4, 2026 TransUnion credit reporting agency unlocked my credit account for someone who was not me and who had called their customers support line pretending to be me. I was never notified by TransUnion that my account was unlocked, even though TransUnion had my email address and cell phone number to text me. As a result, on May 5, 2026 a criminal actor secured a $58, 613.10 loan with Security Federal Credit Union (San Antonio, Tx) to purchase as 2025 Dodge Ram from Price Chrysler Dodge Jeep Ram (Price, Utah). This all occurred due to TransUnion's gross negligence with my account and their failure to notify me. I have called TransUnion several times regarding this and they don't seem to care about my situation or any interest in changing any of their policies, therefore this could happen again to anyone due to TransUnion's continuing gross negligence with customer accounts.
I am proceeding with filing a police report locally, but this would of all been avoidable if TransUnion would of protected my information in a more responsible manner. I feel this is a criminal action on TransUnion's part due to their negligence and mishandling of my account, as well as their failure to notify me. In addition, I feel TransUnion assisted and is equally responsible in this thief by unlocking my account without my knowledge. I have a screen capture from TransUnion's website showing the hard inquiries on May 4, 2026 for the Security Federal Credit Union and Price Chrysler Dodge Jeep Ram. Also when I called TransUnion and spoke to Fieona on May 18, 2026 TransUnion had a record of someone calling in on May 4, 2026 requesting to unlock my account.
Reviewed May 17, 2026
Transunion has awful customer service. I have been separated from my husband for 15 years. They put his credit card on my credit report. They said that the bank is reporting it to them, but the bank has removed me from the card and it is not on any of my other credit reports. I asked them if they could speed up the process and the girl told me I’d just be better off waiting until they’re done. Very rude.
Reviewed May 8, 2026
Dishonest, scammers, manipulation at its best. The company failing along with the team so they trying to take whatever they can. Scammers.
Reviewed May 7, 2026
Absolutely terrible. My Experian credit score is 737, my TransUnion credit score is 598. TransUnion knocked my score down another 30 points today with no explanation. As if TransUnion would ever respond in appropriate fashion. Their goal is to line the pockets of the rich and interfere with the middle classes ability to have access to wealth.
Reviewed April 11, 2026
This is the worst credit bureau. They don't even try. The inaccuracies are many. My credit score on all other bureaus is 50 points higher. Not this one though. They don't hear you. They don't work for you and the staff is pitiful. They keep people trapped. The worst of the 4 I've dealt with is Transunion.
Reviewed March 11, 2026
Agent Angelica was really nice to me and helped me in a matter of under a minute! - hope. Thank you for your help. It means a lot and birthday wish. Thankkkk youuuu. She’s very nice and helpful!!
TransUnion Company Information
- Company Name:
- TransUnion
- Year Founded:
- 1968
- Address:
- TransUnion LLC P.O. Box 2000
- City:
- Chester
- State/Province:
- PA
- Postal Code:
- 19022-2000
- Country:
- United States
- Website:
- www.transunion.com