Many or all of the companies featured compensate us. Compensation and research may determine where and how companies appear. Learn more

Compare FreeCreditReport.com vs. TransUnion Credit Reporting

What’s the difference between FreeCreditReport.com Credit Reporting and TransUnion Credit Reporting? See how our editors compare the two companies below.
Last Updated: April 15, 2024
FreeCreditReport.com
4.6 / 5 - Excellent
#5 in Credit Reporting
TransUnion
4.5 / 5 - Excellent
#4 in Credit Reporting
vs

Key Facts

  • Our #1 Rated Pick
  • Experian credit report is completely FREE
  • TRULY: No credit card required
  • Checking your own report doesn’t hurt your credit
  • Report refreshed every 30 days on sign up
  • Experian Boost uses positive payment history to increase score fast
  • 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

 FreeCreditReport.comTransUnion
Plans and Pricing5.0/54.5/5
Report Details and Frequency4.0/54.3/5
Credit Bureau & Credit Scores4.5/54.5/5
Monitoring and Extra Features4.5/54.5/5

How do their reports differ?

Credit Bureaus Covered

 FreeCreditReport.comTransUnion
Equifax
Experian
TransUnion
 FreeCreditReport.comTransUnion
Credit Report Frequency
Monthly
Monthly
Access to Credit Scores
Yes
Yes
Access to Credit Reports
Yes
Yes

Monitoring & Tools Compared

 FreeCreditReport.comTransUnion
Credit Tools
Credit Change Alerts
Credit Change Alerts
Historical Score Tracking
Security & Protection
Identity Theft Monitoring
Identity Theft Monitoring
Identity Theft Insurance

Comparison of Plans & Pricing

 FreeCreditReport.comTransUnion
30-day Trial Available?
No
Yes
Free Report Offered?
Yes
No

Reputation & Support

 FreeCreditReport.comTransUnion
Mobile App
Yes
Yes
Alert Methods
Email
Mobile App
Email

Customer Feedback

 FreeCreditReport.comTransUnion
BBB Rating
NR
A
Date Collected
2019-03-01
2019-03-01

Contact & Additional Information

 FreeCreditReport.comTransUnion
Year Founded
1995
1996
Homepage URL
Company Phone
(866) 617-1894
(800) 888-4213
Mailing Address
PO Box 2390, Allen, TX, 75013
P.O. Box 2000, Chester, PA, 19016

Final Verdict

FreeCreditReport.com Credit Reporting has a higher overall rating than TransUnion Credit Reporting. FreeCreditReport.com scores better than TransUnion across: Plans and Pricing. However, TransUnion scores better on Report Details and Frequency. Both companies score similarly on Credit Bureau & Credit Scores, and Monitoring and Extra Features.


Customer Comments & Reviews

J
Jason P
8/3/2018
FreeCreditReport.com Credit Reporting review
Hello, what is the fee after the 7 day Free trial period has ended? Also, maybe want to change your name from "Free" to "Affordable" Credit Report since it is not really free.... Just sayin...