TransUnion Credit Reporting Review

#3 in Credit Reporting

Transunion is a credit information and management service and is one of the three major credit bureaus in the country. Part of its service include a credit reporting product that helps consumers take better control of their financial information.  With Transunion, members gain unlimited access to their Transunion credit information and enables them to lock or unlock their credit profile.

Credit Reporting Features

Joining Transunion’s credit monitoring services gives you access to unlimited Transunion credit scores along with three bureau credit monitoring. All of this starts with its $1 trial program.  Alerts are sent to you once a Transunion credit report is requested as part of a credit application. Other features include reports on your Transunion credit score and how it affects your credit rating or possible rates.

Credit reporting frequency

Limited to Transunion

Credit monitoring

Monitors credit reports for unusual activities

Credit reports

Gives access to your credit reports

Credit scores

Gives access to your credit scores

Warning reports

Timely alerts to notify you of any unusual activities

Credit Bureaus

As expected, services are geared towards your Transunion credit information. However, the service still provides 3 bureau credit monitoring. Credit reports are another story since this is limited to Transunion.

Experian

Yes

Equifax

Yes

Transunion

Yes

Pricing

Price

$19.95 monthly

3 Credit bureau monitoring

Yes

Credit report updates

Yes

Credit scores

Yes

Credit score updates

Yes

Identity Theft Protection

Transunion safeguards your identity by monitoring information from the three major credit bureaus. Services include the ability to lock and unlock your Transunion file. This ensures that no one gains access to your Transunion information for credit checks or opening a new account. But this is only limited to Transunion and you have to talk directly with an Experian or Equifax representative.

ID Theft Insurance

$25,000

Fraud assistance

Yes

Lost wallet assistance

No

Alerts

Email

Yes

Text

No

Phone

No

Mobile

No

Support Services

Telephone

Yes

Email

Yes

Knowledgebase

Yes

Credit Reporting at TransUnion

Transunion helps monitor your information across all three major credit bureaus. But credit reporting is focused on Transunion itself. It gives you unlimited access to your Transunion information and even lets you lock or unlock your Transunion file. At $17.95, Transunion appears to be a good buy especially for those searching for credit monitoring and identity theft protection. But credit reports however seem to be another story since this is limited to Transunion only. 

 

 

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