TransUnion Review: Credit Report Services Review

Overview

TransUnion is certainly one of the most trusted sites for credit reporting, monitoring, and identity protection services since they are one of the three major bureaus. This veteran company offers users the chance to see their TransUnion report along with all three credit scores. In addition, you will find a whole host of additional services like personalized credit and debt analysis, identity protection, and more. On top of this, the price is among the lowest in the industry, even after your $1 initial trial ends.

Visit TransUnion

Credit Monitoring Reports and Scores

  Equifax Experian TransUnion
Scores Provided X X X
Reports Provided X X X

 

You can receive a nearly free trial membership at the TransUnion site, which entitles you to receive your TransUnion credit report along with all three of your actual credit scores. The report is very easy to understand and provides a lot of additional value, since you also receive ongoing monitoring and 24/7 alerts, identity protection (the ability to literally lock ID thieves out of your TransUnion report with just a click), and even personalized credit and debt analysis tools.

The extra tools and added services really make this membership stand out. You will enjoy the credit score tracker, which monitors changes in your scores over time and provides analysis and suggestions. There is also an identity risk score, to show you how vulnerable you might be. Or, maybe you would like to try out the money manager and view/track all your spending, set up comprehensive budgets, manage literally your entire financial life.

Identity Theft Protection

One of the best features included with your TransUnion membership is the tools needed to help protect your identity. This works in combination with the 24/7 monitoring and automated credit alerts but also includes up to $1 million in identity theft insurance (be sure to check the terms and exclusions). You will have access to identity restoration specialists should the unthinkable occur. Plus, there are countless additional tools and resources like: internet watch, lost wallet assistance, payday loans monitoring, address tracker, neighborhood watch, court records monitoring, and more.

In most cases, these tools and services are updated in real time and they make use of very sophisticated tracking and security technology. They even have additional helpful information, articles and guides that can take you through the process of credit dispute resolution, or just about any other credit-related process or issue you need to have handled.

Sign Up Process

The process of joining the TransUnion site and actually viewing your three credit scores and TU credit report is pretty much standard for this industry. However, the site has perhaps the most advanced security and privacy protections of them all. You will begin by simply completing some basic personal information about yourself and the company sends an email. Click on the link to confirm and then you provide additional information, which is confirmed through some multiple choice questions the site asks related to information found in your actual credit report.

From here, you will be guided to make the $1 payment needed in order to start your 7-day trial. This gives you plenty of time to look around at the site, view your reports and advice offered, and make an intelligent decision whether or not to continue with the service.

Pricing Concerns

The introductory offer is $1 for 7-days of access to your TransUnion report and three scores. You also can browse the site and look through all of the other available tools and information including the identity protection services and tools, guides, articles, monitoring (of credit reports, court records, payday loans), and so much more. Membership will automatically continue at the normal monthly rate of just $17.95 should you not cancel before those 7 days expire.

Trial Offer $1 for 7-Day Trial
Monthly Price $17.95

Customer Support

Unlike many of these other so-called 'free trial' credit report and monitoring services, TransUnion is a very real, large business. They provide many ways for customers to contact them to obtain the proper help. This includes toll-free 800 phone lines, email, and even postal address. Agents do respond in a very helpful manner and fairly quickly. The help section includes FAQs and which number to call based on your particular area of concern.

Bottom Line

If you are looking for a reputable credit reporting and monitoring company, you cannot find better than TransUnion. The best thing about this site just might be all of the tremendous amount of resources and tools they have assembled. You can find help and guidance on everything from identity protection and fraud to working out a credit bureau dispute.

Contact Information:

525 W. Monroe,

Chicago, IL 60661

Visit TransUnion

 

Top 5 Credit Report Services Sites