TransUnion review

TransUnion's own free account gives you data straight from the bureau. The free subscription includes daily refreshes of your TransUnion credit report and VantageScore 3.0, credit monitoring, and alerts for critical report and score changes. You also get score factor grades, recommendations on where your score could go, goals based on your credit profile and a debt-to-income analysis. A practical plus is access to the TransUnion Service Center, where you can manage a credit freeze, a dispute or a fraud alert without leaving the account. TransUnion offers mobile apps for iOS and Android and says no credit card is needed to sign up. Card offers come through Bankrate's CardMatch tool. The trade-off is scope: one bureau and a VantageScore rather than FICO. The TransUnion site blocked our plain HTML price check from this location, so the price row is marked pending.

Who it is for

people who want daily data straight from one bureau

Price

Free daily TransUnion report and score; see vendor pricing (USD check pending).

US price check pending. See the vendor pricing page.

Key features

• Daily TransUnion credit report and VantageScore 3.0
• Alerts for critical TransUnion report and score changes
• Credit score factor grades and score potential recommendations
• Debt-to-income ratio analysis
• Access to the TransUnion Service Center for freezes, disputes and fraud alerts

Strengths and weaknesses

• Strength: Data comes straight from the bureau, refreshed daily
• Strength: Freeze, dispute and fraud alert tools in one place
• Strength: iOS and Android apps
• Weakness: Covers TransUnion only
• Weakness: VantageScore 3.0, not FICO
• Weakness: Card offers come through Bankrate's CardMatch

Key facts

• Price: Free
• Bureau: TransUnion
• Score model: VantageScore 3.0
• Update frequency: Daily

Where it ranks

TransUnion is No. 6 in our Best Credit Score Apps verdict.