Credit Monitoring Services

Take confident steps toward healthier credit

In today’s world, a lot of things depend on your credit—loan approvals, insurance premiums, even the success of job applications. Having a good grasp on your credit can help you get ahead in life and save you time and money.

TransUnion Credit Monitoring acts as a watchdog when it comes to your credit.

It gives you frequent access to your credit history, so you can check your credit report as often as you like. It watches your TransUnion, Experian® and Equifax® credit reports . And it alerts you whenever there are critical changes to your accounts, such as new accounts being opened in your name, a credit card balance increase, or negative information like a late payment reported by one of your creditors. This can help you stay on track with maintaining healthy credit.

When you sign-in the app, you have 3 main areas to explore: Dashboard, Credit Report, and Credit Lock.

1. On the dashboard, you’ll see your credit score, as reported that day. There’s also an area to study the factors that impact your credit score. Plus, you can review ways to point your score in the right direction with CreditCompass™.
2. Conveniently, you also have access to your TransUnion credit report. Within each section, you can drill down to learn more about each credit report section such as all open and closed accounts, hard inquires made, any public records, and personal information such as date of birth, current and previous addresses, employment history (when available).
3. Importantly within the app, you can lock your credit with ease. Plus get help recovering from identity fraud with our fraud victim assistance department.

Take control of your data and your identity

Get personalized recommendations on how to reach your score goals

Point your score in the right direction with specific credit health recommendations from CreditCompass™. Discover steps you can take to work towards achieving your credit goals.

Get feedback on areas such as

1. Payment activity
2. Percentage of credit used
3. New/Recent Activity
4. Delinquent Accounts

Discover Your Credit Potential Now and Protect What You’ve Built

With TransUnion, you get more.

More Monitoring
You can keep a close eye on your credit information regularly on our mobile app. You will get near- instant email alerts as soon as we receive a hard inquiry lender request for your TransUnion credit report. You can refresh your credit report and score daily.

More protection
You can also look for any discrepancies and take necessary actions to protect yourself. Plus, you can lock your TransUnion and Equifax reports in just a few taps. And rest easy knowing that you have up to $1 million in identity theft insurance coverage.

More Empowerment You can point your score in the right direction with specific recommendations to achieve your credit health potential with CreditCompass™. You can find out specific action steps you can start taking now to achieve it.

Frequently Asked Questions

What are credit monitoring basics?

To quickly appraise your credit health, your credit score is the place to look. Lenders may use it as part of their criteria when deciding whether to extend you credit.

Note: There are many scoring models. Because there are varied scoring models, you’ll likely have different scores from different providers. Lenders use many different types of credit scores to make lending decisions.

Credit monitoring helps you keep a close eye on your credit reports and credit score. It works by continuously monitoring credit reports for any critical changes that could indicate fraud or identity theft. Reviewing your credit reports regularly makes it easier to notice changes that may affect your score. It can also help you feel more confident about your credit health.

Some key components of credit monitoring include:

1. Credit report review: Inspect your credit history, account balances, personal information to monitor changes and help identify and correct any potential inaccuracies.
2. Important alerts: Receive notifications when there are notable changes on your credit report, such as late payments, new accounts opened, hard inquiries or big drops in your score.
3. Recommendations: Get actionable steps to discover your credit health potential and point your score in the right direction with CreditCompass™.
4. Credit lock: Lock your credit with TransUnion and Equifax credit bureaus to restrict access to your credit report.
5. ID theft protection: Use services for identity theft insurance and assistance with identity victim resolution.

Additionally, TransUnion is offering free weekly reports online. While checking your free credit report is always a good idea, continuous credit score and report monitoring is important.

What is the difference between my credit report and my credit score?

Your credit report and your credit score are not the same thing.

A credit score is generally a number from 300 to 850 and calculated based on information contained in your credit report. You may notice that you have a different credit score with each of the three credit reporting agencies. This is due in part because there are different credit scoring models that are used. Also, some lenders may report credit information to all three credit bureaus while some may report to only one or two bureaus. Seeing some variation in credit scores isn’t cause for alarm.

Note: Your free online report from annualcreditreport.com will not include your credit score.

If you want to see your score, then you do have the option to purchase a one-time VantageScore® 3.0 credit score for $0.99 when you get your TransUnion credit report. You can print or save it or view it online for up to 30 days. You can also get your credit score updated regularly when you purchase credit monitoring subscription for $29.95/mo with TransUnion.

Why is it important to monitor my credit?

A credit monitoring service watches your credit reports and alerts you whenever there are critical changes to any of your accounts that are reported to TransUnion, such as new accounts being opened in your name, a credit card balance increase, or negative information like a late payment reported by one of your creditors. This helps you stay on track with maintaining healthy credit.

It also enables you to look for errors that may appear on your report, as well as unauthorized changes that may indicate fraud. With the growing threat of identity theft, it's important to make sure that you watch your credit closely.

TransUnion’s Credit Monitoring services can help you approach credit with confidence. Your subscription includes a VantageScore® 3.0 credit score and TransUnion credit report along with frequent access to your credit history. This enables you to check your credit report as often as you like to help you stay on top of your credit and monitor any changes to it.

What does it cost to purchase TransUnion Credit Monitoring?

The cost is $29.95 per month. You can use the product online or with on-the-go convenience with our mobile app. You can cancel at any time.

Your subscription comes with benefits such as:

• TransUnion credit report and score updates available daily
• Near-instant alerts when there are critical changes to your credit report
• TransUnion and Equifax Credit Reports lock and unlock
• Credit score trending and how your score compares on a national average
• Personalized debt analysis to evaluate your debt-to-income (DTI) ratio
• Actionable steps to point your credit score in the right direction

With your membership, you have the option to see how all three bureaus show your credit information. This is a one-time purchase of $29.95**

• Credit reports from Equifax, Experian, and TransUnion
• Credit scores from all three credit bureaus
• 3-Bureau report lasts for 1 year or until your subscription ends, whichever comes first

**Note: With this purchase you will receive information as it is reported on that day. The Experian and Equifax credit reports and credit scores will not update. But you will have access to this information for 365 days.

What can identity thieves do with my information?

With your name and social security number, imposters can open credit cards, rent an apartment, take out a car loan and even open new bank accounts. Most victims don’t realize they’ve been compromised until they review their credit report or credit card statements, and it may be too late. Using a credit monitoring service can help alleviate the headaches that come with trying to restore your identity after it’s been stolen. Credit monitoring notifications can help put you in a position to act fast should detected credit report changes indicate suspicious account activity. You may also look into our identity theft protection product that offers additional features, such as medical ID protection, online PC protection tools and BreachIQ to help safeguard what matters most.