We ranked the TransUnion credit monitoring service fourth on our list because it’s provided by one of the 3 major credit reporting bureaus and a trusted company when it comes to credit reports & credit related services. When you sign up for TransUnion’s $1.00 / 7 day trial you get immediate access to your TransUnion credit report plus 3 bureau credit monitoring. These are great benefits to be sure, but their services are very TranUnion specific, as you can imagine. If you’re looking for your Equifax & Experian credit report information, you won’t find it with this service. You will be better served going with a comprehensive monitoring package that includes 3 bureau credit monitoring AND allows you access to credit reports from all 3 bureaus. IdentityGuard & Lifelock would be better choices if this is an option you require.
The TransUnion monthly subscription costs $19.95, which is about the average price for most monitoring plans. However, once again, for that price we think there are better options that will include more detailed monitoring, alerting and credit tools.
With the TransUnion subscription you also receive:
- Lost wallet protection
- Credit file change alerting
- Personalized credit analysis tools
- 1 million dollars id theft insurance
You also have the ability to place free credit freezes on your TransUnion credit reports. This is normally a $10 charge for each lock/unlock you place. However it’s included in the TU credit monitoring monthly subscription.
TransUnion customer support is available via phone M-Th 8am-12am ET and Fri-Sun 8am-8pm ET. It’s extremely easy to get a live representative on the phone, and we found them to be extremely courteous and knowledgeable when we placed a test call.
While we like the security that comes with using a monitoring plan from a trusted company such as TransUnion, we believe the TU service is fairly limited and doesn’t offer as much as the services we ranked above it. With no access to Experian or Equifax credit reports as well as no FICO score availability, we would recommend this service only to those are are concerned solely with their TransUnion specific reports & information.