Compare Equifax vs. TransUnion Credit Reporting
What’s the difference between Equifax Credit Reporting and TransUnion Credit Reporting? See how our editors compare the two companies below.
Last Updated: October 24, 2025
Key Facts
- 3 credit bureau reports
- Identity theft protection
- Lock or Unlock your Equifax credit file
- Mobile app
- Unlimited TransUnion score and report updates
- Email updates of critical credit information changes
- 1-Touch Credit Lock
- Interactive graph of your score history
- Personalized credit and debt analysis
- Up to $1,000,000 in ID Theft Insurance
OVERALL RATINGS
| Equifax | TransUnion | |
|---|---|---|
| Plans and Pricing | 4.0/5 | 4.5/5 |
| Report Details and Frequency | 3.5/5 | 4.3/5 |
| Credit Bureau & Credit Scores | 4.0/5 | 4.5/5 |
| Monitoring and Extra Features | 4.0/5 | 4.5/5 |
Final Verdict
TransUnion Credit Reporting has a higher overall rating than Equifax Credit Reporting. TransUnion scores better than Equifax across: Plans and Pricing, Report Details and Frequency, Credit Bureau & Credit Scores, and Monitoring and Extra Features.
