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TransUnion Review: Credit Report Monitoring |
| Sign up for TransUnion | |
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| Unlimited TransUnion scores but monitors only one bureau | |
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With its free 7-day trial and unlimited TransUnion scores and reports, TransUnion Credit Monitoring is a very good service and value. The main drawback we see is that it only delivers scores and reports from one credit bureau, TransUnion. This limits its effectiveness as we recommend monitoring your reports from all 3 bureaus for both identity theft protection and to make sure there are not errors on one of your other reports. Additionally, we've found the VantageScore system that TransUnion uses to give you your TransUnion score uses some different criteria than the FICO scoring system. Since the FICO scoring system is used by more lenders, this is a drawback. The VantageScore system also uses a different scoring range (501 to 990) than FICO does (301 to 850), making comparison sometimes difficult. TransUnion is very helpful here, though, by giving you both a letter grade for your score and a percentile so you can better understand how your score compares to the average score.
TransUnion Credit Monitoring gives you a clear explanation of the factors affecting your credit score, which is very useful. It also has some nice tools and graphs to see how your credit changes over time. $25,000 worth of identity theft insurance is included with your service. Overall, TransUnion Credit Monitoring is a good service with one major flaw, its sole focus on your TransUnion report and score without any data from the other bureaus. Still, its 7-day trial lets you check your report and score as many times as you want for free and still cancel if you don't like the service. At only $11.95 per month, it is a cost-effective way to stay on top of your TransUnion report and score as you can continue to check them both as often as you like. As with all the services we recommend, you will be notified by email within 24 hours of any change to your report. Sign up for TransUnion | Compare to Other Credit Report Monitoring |
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| Free Credit Scores: | Free TransUnion score |
| Trial Period & Price: | Free 7-day trial; $11.95/mo |
| Credit Reports Monitored: | TransUnion credit report |
| ID Theft Insurance/ Guarantee: | $25,000 |
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