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: December 22, 2017
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Equifax Credit Reporting
7.9 / 10 - Very good
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TransUnion
9.0 / 10 - Excellent
#3 in Credit Reporting
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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

 EquifaxTransUnion
Credit Score & Reports7/108/10
Monitoring & Tools8/109/10
Plans and Pricing8/109/10
Reputation & Support8/1010/10

How do their reports differ?

Credit Bureaus Covered

 EquifaxTransUnion
Equifax
Experian
TransUnion
 EquifaxTransUnion
Access to Credit Scores
Yes
Yes
Access to Credit Reports
Yes
Yes

Monitoring & Tools Compared

 EquifaxTransUnion
Credit Tools
Credit Change Alerts
Historical Score Tracking
Credit Change Alerts
Historical Score Tracking
Security & Protection
Identity Theft Monitoring
Lost Wallet Protection
Identity Theft Monitoring
Identity Theft Insurance

Comparison of Plans & Pricing

 EquifaxTransUnion
Free Report Offered?
Yes
No

Reputation & Support


Contact & Additional Information

 EquifaxTransUnion
Homepage URL
Company Phone
(877) 742-1415
(800) 888-4213

Final Verdict

TransUnion Credit Reporting has a higher overall rating than Equifax Credit Reporting. TransUnion scores better than Equifax across: Credit Score & Reports, Monitoring & Tools, Plans and Pricing, and Reputation & Support.