With the official TransUnion app, you get free credit scores, free credit reports, free credit monitoring & free access to offers from Bankrate. There’s no credit card required!
Your credit score is calculated based on the VantageScore® 3.0 model. Lenders and insurers may use different scores to evaluate your eligibility.
Simply create your free account (no credit card required) and start using our app (won’t hurt your score) to:
Plan Your Credit Future
Know what’s affecting your score, what to work on, and where your score could go.
Stay on Top of Changes
Know where your TransUnion report & score stand with refreshes available daily. Get an alert whenever there’s a critical credit report or score change.
Save Time with Offers from Bankrate*
Explore credit offers powered by Bankrate*, all in one place.
Join us now to get your free credit scores, free credit reports, free credit monitoring & offers!
Upgrade your membership to add premium features like quarterly 3-bureau reports and identity monitoring.
***AGE DISCLAIMER: You must be at least 18 years of age to access or download this app. If you are under 18 years of age, you are prohibited from accessing or downloading this app. Read more in our Terms of Service here: https://www.transunion.com/legal/credit-membership-terms.***
*Advertiser Disclosure: Offers are provided by TransUnion’s Offers Provider, Bankrate. Bankrate provides advertising revenue to TransUnion Interactive, Inc. when consumers interact with the offers, such as by clicking on an offer, when the application is approved or opening an account. This revenue impacts how and where offers appear (including, the order in which they appear), except where prohibited by law for offers related to mortgage, home equity and other home lending products.
Offers do not represent all available financial services, companies or products. Availability may vary by state. Please review the offer details and verify all terms and conditions before applying. TransUnion does not endorse or recommend any lender or provider.
ABOUT TRANSUNION
TransUnion is a global information and insights company with over 13,000 associates operating in more than 30 countries. We make trust possible by ensuring each person is reliably represented in the marketplace. We do this with a Tru™ picture of each person: an actionable view of consumers, stewarded with care. Through our acquisitions and technology investments we have developed innovative solutions that extend beyond our strong foundation in core credit into areas such as marketing, fraud, risk and advanced analytics. As a result, consumers and businesses can transact with confidence and achieve great things. We call this Information for Good® — and it leads to economic opportunity, great experiences and personal empowerment for millions of people around the world. http://www.transunion.com/business
Personal information we collect -- https://www.transunion.com/privacy/consumer-interactive#2
Do not sell or share my personal information -- https://www.transunion.com/optout
Limit the use of my sensitive personal information -- https://www.transunion.com/optout
I really feel TransUnions method of credit reporting is very oppressive. I hope the governments overhaul of credit reporting agencies will address issues that hold Americans hostage and crippled for decades. I don’t know who the eggheads are that sit at the round table thinking of ways to penalize hard working Americans creditworthiness but it reeks of elitism. Credit Reporting agencies are not good for America’s economy. Especially with COVID effecting so many hard working people. Through no fault of their own Americans are having to pay the price for governments lousy mismanagement of our funds and a virus that we had no control over. Credit reporting agencies will keep derogatory credit on reports for decades. 7-10 years is too long for individuals to be penalized or effected by mishaps on their credit report. Inquiries stays on your reports for 2 years. Most of them are inaccurate. Individuals have to bear the burden of proof that it’s inaccurate. Two years for an inquiry; what about 6 months? Why should it affect your credit at all. If someone wants to apply for several lines of credit; as long as they can pay their bills what business is it of yours. These credit reporting agencies must be comprised of Creditors. Because the creditors can do or report anything on your report without scrutiny. The wealthy don’t pay by these rules. These agencies stop America from thriving and its done by design. Keep the rich; richer and the poor;poor. This economy is sustained my middle America and we’re the most penalized, taxed and every other kind of bureaucratic robbery. I hope Americans get to the point they are tired of being taken advantage of and revolt. Stand up and stop being screwed by oppressive agencies like these!
Years of Frustration and Wasted Money with TransUnion App
Oilfield Worker
I've been a paying customer of the TransUnion service for around 6 to 7 years, which has cost me a significant amount of money. However, the app has only worked properly for me during the first year. I prefer using an app on my phone for convenience since I'm frequently on the go and not tethered to my PC. Unfortunately, this issue is pushing me towards canceling my service and stopping the flow of my hard-earned money to TransUnion.I've reached out to customer support numerous times, hoping for a solution, but all I received were excuses. No real help was provided. I've tried changing my login details multiple times, and I've even gone through the process of deleting and reinstalling the app. Nothing has resolved the issue. I even upgraded my phone recently, so I know I have the latest technology, hoping it might solve the problem with the app. Yet, I'm still unable to log in and use the services I've been paying for all these years.The constant troubles and lack of effective support have left me defeated and utterly disappointed. The fact that I can use a browser on a PC is a small consolation, but it defeats the purpose of having mobile access, which is crucial for me. I'm at the point where I feel continuing the service is just throwing money away. It's disheartening to invest in a service that cannot deliver the basic functionality it promises, especially when it concerns something as important as credit monitoring. I give up.
Timeliness of Updates
JP Jordan
TransUnion is exceedingly slow updating my accounts. I refinanced my mortgage 6 weeks ago; the old loan has been repaid and closed on the Experian site since two Weeks after the refinance. TransUnion has had both loans outstanding on my account for 3 or 4 weeks and still maintains both loans. So my outstanding debt appears to be twice what the actual amount is. I would love to see the account balances updated timely. Another week has passed and still no update.That review was written two years ago.Since then, TransUnion is perennially slow updating balances compared to other credit reporting agencies, and when the credit score changes on the site, there are no explanations.If one inquires about reasons for the score, the generic explanations from a template don’t make sense. My credit score on the other credit reporting site has been 850 for a long time, and it’s been much lower than that on TransUnion (832) for a similar amount of time. The explanation is that there are too many accounts with balances. I pay my credit cards in full every month, except for any amounts that are pending and get posted the night the statement period closes, which provides no time to get them paid before the statement cutoff (usually less than $100, but sometimes more). Clearly not a reason for a lower score. TransUnion is a palpably worse credit reporting site than the other one.
The worst of the credit agencies
Seansplayin
Google “Transunion data breach” they are currently being sued in a class action lawsuit (Bryant v. Trans Union LLC) for failing to properly secure the names, addresses, drivers license numbers, social security numbers and financial account numbers of 200 Million US citizens that were lost in a data breach. Their services are slow everything from the website to getting emails and good luck trying to correct the misinformation that they themselves caused to be on your credit record. If you don’t login to the website for an extended period when you try to login you will receive a message telling you incorrect password even though you know for certain you entered the correct password since it is stored in an encrypted file along with the last date you authenticated on their website using that password but hey I guess it’s easier to tell the customer they are an idiot than simply say they are requiring you to change your password. Try going to the website and setting a 15+ digit password and you’ll find out their own app won’t let you login with a 15+ digit password but their website happily will.
Feature enhancements and minor bug fixes.
Version 5.8.0
The developer, TransUnion, indicated that the app’s privacy practices may include handling of data as described below. For more information, see the developer’s privacy policy .
Data Linked to You
The following data may be collected and linked to your identity:
Financial Info
Contact Info
Identifiers
Data Not Linked to You
The following data may be collected but it is not linked to your identity:
Contact Info
Identifiers
Usage Data
Privacy practices may vary, for example, based on the features you use or your age. Learn More
Accessibility
The developer has not yet indicated which accessibility features this app supports. Learn More
Information
Seller
TransUnion Interactive
Size
159.4 MB
Category
Finance
Compatibility
Requires iOS 17.0 or later.
iPhone Requires iOS 17.0 or later.
Apple Vision Requires visionOS 1.0 or later.
Languages
English
Age Rating
4+
4+
This app has an age rating of 4+ with content restrictions.
Some content may be rated higher, and may therefore be restricted and managed by the developer through in-app controls.
