TransUnion®

Name: TransUnion®
Rating: 4.6 (38498 reviews)
Author: TransUnion

Your scores, reports & offers

Only for iPhone

Free

38K Ratings
Ages

4+
Years
Category

Finance
Developer

TransUnion
Language

EN
English
Size

168.1
MB

iPhone

Get your free credit scores, free credit reports, free credit monitoring & free access to personalized offers based on your TransUnion credit profile with the official TransUnion app. 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. Apply with Confidence See credit offers you’re likely to qualify for based on your TransUnion credit profile. Join us now to get your free credit scores, free credit reports, free credit monitoring & personalized 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.*** 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

Ratings & Reviews

4.6

out of 5

38K Ratings

Timeliness of Updates
04/25/2023

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.
Timeliness of Updates
04/25/2023

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
12/13/2024

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.
The worst of the credit agencies
12/13/2024

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.
Wasting your money
02/15/2022

howiemtfl
I’m a person who has impeccably flawless credit. I have never been late on a payment. Everything I pay is on auto pay so I never see a bill. I’ve had my American Express platinum card with no spending limit for 33 years. I have a $4 million apartment in Miami a $5 million home in Colorado, way over $10 million in the bank and I have a 740 point fico score with Transunion. Hah! They have no idea what accounts I have whether it be utilities, communications etc. I am very blessed to be where I am at this point in my life so it’s disheartening to have a company like this give an impression of you that is totally false.In today’s business claimant whether it be because of Covid or a myriad of different things, if you do business in Europe for example, they look at your credit score. It’s the only barometer they can use to make sure that you are a responsible standup human being. In essence, Trans Union has hurt me and my ability to do business in many ways. I guess the only smart thing to do with this is just stop the membership. I bet they’ll call me then……….Very disappointed
Wasting your money
02/15/2022

howiemtfl

I’m a person who has impeccably flawless credit. I have never been late on a payment. Everything I pay is on auto pay so I never see a bill. I’ve had my American Express platinum card with no spending limit for 33 years. I have a $4 million apartment in Miami a $5 million home in Colorado, way over $10 million in the bank and I have a 740 point fico score with Transunion. Hah! They have no idea what accounts I have whether it be utilities, communications etc. I am very blessed to be where I am at this point in my life so it’s disheartening to have a company like this give an impression of you that is totally false.In today’s business claimant whether it be because of Covid or a myriad of different things, if you do business in Europe for example, they look at your credit score. It’s the only barometer they can use to make sure that you are a responsible standup human being. In essence, Trans Union has hurt me and my ability to do business in many ways. I guess the only smart thing to do with this is just stop the membership. I bet they’ll call me then……….Very disappointed
Should be much better
05/09/2019

bcsnell70
This has nothing to offer but very simple data which can’t be drilled down into to see details. I couldn’t find a dispute option anywhere and why would there be a separate app. to view and lock credit accounts. You should take a look at Experian‘s app., which looks like their developers wanted to give the user of their app. a lot more of the users own information. Developers, think about what you want to see in a credit report and then think outside of the box of things that can be added to the app. that gives the user more information and more control of the users information. *if a manager or VP won’t let you make this app. better than you should update your resume because that person is dumb as a box of rocks and should be transferred to the data entry area because that’s typing information directly from a piece of paper. ie.... no thought involved. IJS
Should be much better
05/09/2019

bcsnell70

This has nothing to offer but very simple data which can’t be drilled down into to see details. I couldn’t find a dispute option anywhere and why would there be a separate app. to view and lock credit accounts. You should take a look at Experian‘s app., which looks like their developers wanted to give the user of their app. a lot more of the users own information. Developers, think about what you want to see in a credit report and then think outside of the box of things that can be added to the app. that gives the user more information and more control of the users information. *if a manager or VP won’t let you make this app. better than you should update your resume because that person is dumb as a box of rocks and should be transferred to the data entry area because that’s typing information directly from a piece of paper. ie.... no thought involved. IJS

Minor enhancements and bug fixes

Version 5.4.0

Oct 23

Data Linked to You

The following data may be collected and linked to your identity:
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The following data may be collected but it is not linked to your identity:
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