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TransUnion 3-in-1 Credit Report with Free Score Review

TransUnion is one of the three primary credit bureaus. It offers its own credit monitoring service for a monthly cost of $9.99. One of the drawbacks is that it only monitors your TransUnion score and report and doesn’t offer a complete look at your three-bureau reports.

Our Verdict

With a low cost and unlimited access to TransUnion reports, this is a good option, but it’s not as complete as some services.

For

  • This service offers access to your reports anytime.

Against

  • It doesn’t offer reports for all three bureaus.
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TransUnion lets you simulate how financial decisions would affect your credit.

TransUnion lets you simulate how financial decisions would affect your credit.
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You can lock your TransUnion and Equifax files after signing up.

You can lock your TransUnion and Equifax files after signing up.
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Checking your TransUnion credit score won’t affect it.

Checking your TransUnion credit score won’t affect it.
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You can file disputes through the TransUnion website.

You can file disputes through the TransUnion website.

TransUnion is one of the three primary credit bureaus. It offers its own credit monitoring service for a monthly cost of $9.99. One of the drawbacks is that it only monitors your TransUnion score and report and doesn’t offer a complete look at your three-bureau reports. We generally prefer services that provide information from all three of the credit bureaus.

Getting information from TransUnion ensures that the score you see is that same as the one a lender bases its decision on. TransUnion uses the VantageScore model, which is based on credit report data from the three bureaus and is used by many lenders when making decisions. It has a similar scale as the FICO model, with a range of 350 to 820.

Having anytime access to your credit score makes it easy to monitor the information there for any kind of discrepancies. A 2012 FTC study found that 26 percent of consumers had at least one error on their report. If you use TransUnion Credit Monitoring you’ll be able to quickly dispute any errors.

TransUnion Credit Monitoring also includes a credit score simulator that lets you see what effect a new loan or credit card will have on your score. This is a useful tool that can help you make better-informed financial decisions. There are also charts and other tools that show you how your score changes over time. You’ll also receive email alerts about any changes to your credit report, including if someone applies for an account in your name.

One advantage of using a credit bureau for your monitoring is that you can lock your credit reports through them. TransUnion offers a one-touch credit lock for itself and Equifax. By locking your credit report you can prevent thieves from opening accounts in your name.

TransUnion also offers some ID theft protection features. You get 24/7 access to ID theft specialists who can help you resolve any problems involving compromised information. There’s also $1 million in ID theft insurance that can compensate you for any lost wages or costs associated with correcting issues related to ID theft.

TransUnion Credit Monitoring has a low price, and despite offering access to only one bureau’s credit reporting, it still has a wide range of useful features, including the ability to lock your credit file.