TransUnion Credit Score Service Review
| Free Reports & Scores | Free Trial & Monthly Fee | Bureaus Monitored | Important | Rating |
|---|---|---|---|---|
| Free TransUnion reports and scores | Free 30 - day trial; $11.95/mo | TransUnion | Unlimited TransUnion reports and scores; but only monitors one bureau | 
|
The 3 major credit monitoring bureaus in the industry have definitely gained strong reputations, particularly for how extensive and accurate their services. TransUnion is even considered a pioneering leader in the integration of computer and internet technology with customer service, thereby making it easier for consumers to access their personal credit files in just a matter of clicks! And this is precisely why TransUnion has also gained a strong following with the credit monitoring services that it offers.
The basic package TransUnion offers is the TransUnion Credit Monitoring service. With this service, subscribers get a 30-day trial period where they can sample the features offered by the package for free. Only when the trial period ends, monthly charges will be reflected on your bill, which amounts to just $11.95.
This basic package mainly gives subscribers access to the scores and reports generated by just 1 of the 3 bureaus, and this is TransUnion, of course. However, we do know how important it is to stay on top of the game and you can only do this by monitoring the reports and scores generated by the 3 bureaus, and not just 1 bureau. This is precisely why TransUnion goes beyond monitoring just 1 report and associated score by offering their 3-in-1 Credit Profile package. Apart from having unlimited access to your TransUnion credit score and profile, you are also given access to your Equifax and Experian credit profile as well. With these 3 bureaus on your side of the fence, you can then compare all of the details that the reports contain more conveniently. Finding discrepancies across the reports will also be made more manageable because you can use any of the 3 reports as basis and then proceed from there. Not only that, for TransUnion also makes it easier to report these inaccuracies and discrepancies. This way, it would be made much faster for your credit score to make a complete turnaround, if necessary.
TransUnion also provides an online credit monitoring service. By subscribing to this product, your credit profile would then be scrutinized each and every day for any changes that would occur, thereby affecting your credit score. If there are any changes made, such as the appearance of a negative item or the opening of a credit account bearing your name and credentials, then you will be sent real-time alerts to counter this possible credit fraudulent activity. With this package, you can really stay on top of your game, and all at an affordable monthly fee as well.
Another product TransUnion offers that has caught the attention of a lot of people is its KnowYourLoanRate kit. This package works in close knit with the credit scores of its subscribers. The idea of this kit is to help its subscribers attain that ideal credit score so that it would be easier for them to process their home loan applications, car loan applications, and other types of loans and mortgages as well.
These are just some of the impressive products and services offered by TransUnion. TransUnion has indeed taken advantage of its innovative tools and technologies to give their subscribers the best that they deserve.
