Compare Experian vs. TransUnion Credit Reporting

What’s the difference between Experian Credit Reporting and TransUnion Credit Reporting? See how our editors compare the two companies below.
Last Updated: April 19, 2018
Disclosure: We receive advertising revenue from some partners. 
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Experian Credit Reporting
9.1 / 10 - Excellent
#3 in Credit Reporting
TransUnion
9.1 / 10 - Excellent
#2 in Credit Reporting
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Key Facts

  • Experian is an official credit bureau
  • Get your FICO® score for $1
  • Credit reports from all 3 credit bureaus
  • Daily monitoring, toll-free support & 4.5 stars in Google Play
  • Identity Theft protection available
  • 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

 ExperianTransUnion
Credit Score & Reports10/109/10
Monitoring & Tools10/109/10
Plans and Pricing8/109/10
Reputation & Support9/1010/10

How do their reports differ?

Credit Bureaus Covered

 ExperianTransUnion
Equifax
Experian
TransUnion
 ExperianTransUnion
Credit Report Frequency
Monthly
Monthly
Access to Credit Scores
Yes
Yes
Access to Credit Reports
Yes
Yes

Monitoring & Tools Compared

 ExperianTransUnion
Credit Tools
Credit Analysis Calculator
Credit Change Alerts
Historical Score Tracking
Credit Change Alerts
Historical Score Tracking
Security & Protection
Identity Theft Monitoring
Identity Theft Insurance
Identity Restoration Support
Identity Theft Monitoring
Identity Theft Insurance
Identity Theft Insurance Limit
$1,000,000
$1,000,000

Comparison of Plans & Pricing

 ExperianTransUnion
30-day Trial Available?
Yes
Yes
Free Report Offered?
Yes
No
Monthly Price
Starting at $9.99
Starting at $19.95
Annual Price
Starting at $99.99

Reputation & Support

 ExperianTransUnion
Mobile App
Yes
Yes
Alert Methods
Email
Mobile App
Email

Customer Feedback

 ExperianTransUnion
BBB Rating
A-
A-
Number of BBB Positive Reviews
2
1
Number of BBB Neutral Reviews
3
2
Number of BBB Negative Reviews
169
121
Trust Pilot Rating
4.2 out of 10
5.8 out of 10
Date Collected
2017-10-05
2017-11-14

Contact & Additional Information

 ExperianTransUnion
Year Founded
1996
1996
Homepage URL
Company Phone
(714) 830-7000
(800) 888-4213
Headquarters Address
475 Anton Blvd, Costa Mesa, CA, 92626
555 W. Adams St., Chicago, IL, 60661
Mailing Address
475 Anton Blvd., Costa Mesa, CA, 92626
P.O. Box 2000, Chester, PA, 19016

Final Verdict

TransUnion Credit Reporting and Experian Credit Reporting are very close in quality and have the same overall rating. That said, TransUnion scores better than Experian across: Plans and Pricing, and Reputation & Support. Whereas, Experian scores better on Credit Score & Reports, and Monitoring & Tools.