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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.
Pros & Cons
- Credit monitoring services
- Credit offers
- Free annual credit score
- May differ from other bureaus
- Monthly cost for monitoring
TransUnion is a credit agency that provides credit scores and reports to consumers. It also offers credit monitoring services, identity theft protection and credit offers from third-party lenders.
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.
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.
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.
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I called them and waited on the phone for 3 hours and 15 minutes. Nobody answered. They did not verify my identity because they did not answer and I could not rent the house. Stay away. Or try them and learn the hard way. In the next year, you will see they will be bankrupt. I hope so. Worst service I have ever seen
In checking my credit ratings today, I see something funny and that is my TransUnion score dropped by 3 points from 807 to 804. When I looked at the details I see the reason it dropped is because I have a balance of a whole $20 on my Lowe's credit card due to a recent purchase. Can anyone believe a credit score would drop 3 points over a $20 balance? In the same time frame the other agencies reported an increase in my credit score because I paid off most of my credit cards.
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So the website "can't verify me." Says to call the number. That number puts me in a text chat with a non-English speaking person (the text chat is broken English). Then "he" proceeds to make me wait several minutes, send me forms to fill out, then tells me he can't help me and to call the number (that I already called). I called the number, couldn't understand the person. That person plays dumb and has no idea why it says "can't verify" on the website. Then proceeds to update my current address. I then get a mailing address where I can send hard copy, with cover-letter my issue. So this "credit" company has inaccurate negative items on my credit report, but can't even manage its own website. It has no clear path for resolution is hot garbage. I am forced to care about this company because I want to buy a damn house and this turd of a company can cost me tens of thousands of dollars. This company needs to be dissolved.
The site hides the price of its service. While attempting to look for a credit score (which Equifax provides for free) it asks for a card to "verify your credit." It then proceeds to charge the card with no confirmation that you will be charged. I strongly advise AGAINST using this company as they provide no real service.
Transunion is an ultimate fail. Off shore. Will not help. Nightmare to deal with. WARNING! IF YOU CHECK YOUR CREDIT RATING IN THE EVENING, GONE NEXT MORNING. CUSTOMER SERVICE NO HELP AT ALL. JUST EXCUSES.
Not trustworthy and will not communicate with you. I called and cancelled service to then get charged an hour later for next month. They never told me anything like this when I cancelled service. I have to fix my car. Now I can't. Thanks TransUnion for being the worst.
I like many other on this site cannot log into the Transunion site. Even though I pay every month it is impossible to get help whether it be them constantly having website problems or representatives that has nonexistent communication skills! Beside log in trouble they continue to lower my credit score as they have done lately for paying off credit cards the statement from them is, "good job you've paid off this account" and then they go and reduce my score by 42 points!! ** Hire some Americans!!!! Because you obviously can't intrepid data correctly!!!!
I was using ShareAble for hiring from TransUnion. The experience was a disaster, to prove your identity you need to call them and wait on the line for more than 30 min. I called several times. It's a very useless service. Waste of time and money.
This is broken on so many levels I cannot tell you, this is why their NPS score is -6, yes that's a minus. When you call to dispute, they dispute you. I was looking at my freshly generated credit report by TU and they told me I was wrong, was staring at it on the phone with CS. When I got a Supervisor after I validated 12 different questions...understand security, but they would not validate me until I pressed them. More validating with Supervisor.
PS, they are not briefed on your situation, so you start over cold, not a warm transfer. No notes in my file from an hour of talking, two days' worth. I asked please don't call me, email me please, cannot take calls at work....multiple calls to my phone. The $28 CND you pay is a total joke, you'll break out in a rash....Buy some "Caladryl Lotion" you'll need it. The Transunion call centre is in India, no problem, most are, but you can't get to Canada unless you escalate it to the top and really push them. Thanks TU for keeping Canadians working. I'm in CS and this is beyond poor and they (Transunion) are the "GateKeepers" of our well needed and guarded credit to obtain anything here. What a joke...Who runs this place?
Been trying for several days to access my account. I know my user name and password. After finally connecting with a human, I still not having success. They can't seem to send me the email as promised to access my account. I pay monthly for the worst service I have ever experienced. Will ConsumerAffairs investigate or just print complaints?
TransUnion Company Information
- Company Name:
- Year Founded:
- TransUnion LLC P.O. Box 2000
- Postal Code:
- United States
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