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: December 22, 2017
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FreeCreditReport.com
9.2 / 10 - Excellent
#1 in Credit Reporting
TransUnion
9.0 / 10 - Excellent
#3 in Credit Reporting
vs

Key Facts

  • Our #1 choice, with an A+ rating by BBB
  • Experian credit report is fompletely FREE
  • TRULY: No credit card required
  • Checking your own report doesn’t hurt your credit
  • Report refreshed every 30 days on sign up
  • 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
Credit Score & Reports8/108/10
Monitoring & Tools9/109/10
Plans and Pricing10/109/10
Reputation & Support9/1010/10

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
A-
A-
Number of BBB Positive Reviews
3
1
Number of BBB Neutral Reviews
0
2
Number of BBB Negative Reviews
14
121
Date Collected
2017-11-13
2017-11-14

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