How Do I Get My Credit Report and Score From TransUnion?

Your credit report is an essential tool if you’re looking to build, manage and protect your credit. Your credit report shows information related to your credit accounts, like your payment history and balances, recent credit applications and more.

Your credit score offers a snapshot of your credit history. There are different credit scoring models, and each may have their own credit score factors, but in general, the credit score factors are similar. Your credit score is calculated using the information in your credit report. As information is added, removed or changed in your credit report, your credit score may change as a result. When you get a credit score from TransUnion, it’s a VantageScore^® 3.0 credit score.

Consider regularly monitoring your credit report and score since they play an important part in your financial wellness. Here are ways you can get your free credit reports and scores from TransUnion:

How do I get my free TransUnion credit report?

There are multiple ways to get your TransUnion credit report for free:

TransUnion Credit Essentials

You can get your free credit report from TransUnion each day with a free TransUnion Credit Essentials subscription. Your free subscription will get you daily refreshes of your TransUnion credit report and score and alert notifications when there’s a change to your TransUnion credit report. You’re able to see how influential credit score factors impact your credit score. You’ll also be matched with personalized offers based on your credit health. You can see only the hard inquiries on your credit report with the free subscription to TransUnion Credit Essentials. The hard inquiries on your TransUnion Credit Essentials report will show the name of the company that pulled your credit report along with the date of the inquiry. Your TransUnion Credit Essentials credit report does not show soft inquiries.

TransUnion Service Center

You can also get a free daily credit report from TransUnion through the TransUnion Service Center. Through the TransUnion Service Center, you’ll get daily refreshes of your TransUnion credit report, with an option to buy a credit score for $0.99 plus tax where applicable. On the credit report you receive through the TransUnion Service Center, you’ll be able to see all your hard and soft inquiries. In the TransUnion Service Center, you also have access to free services to manage your credit freeze, disputes and fraud alerts.

You can also get your credit report at AnnualCreditReport.com

Additionally, AnnualCreditReport.com offers access to free weekly credit reports from all three nationwide credit reporting agencies (TransUnion, Equifax and Experian). You can see hard and soft inquiries in credit reports from AnnualCreditReport.com.

How do I get my free VantageScore^® credit score by TransUnion?

To get your free VantageScore credit score by TransUnion, you can sign up for a free subscription to TransUnion Credit Essentials. With this account, you can see daily refreshes of your credit score. If you are only seeing an option to pay $0.99 for your credit score, you may be logged into your TransUnion Service Center account, not your TransUnion Credit Essentials account.

In the TransUnion Service Center, you have access to your credit report, but not the free version of your credit score. To get your free credit score from TransUnion, you will need to create and log in to your free TransUnion Credit Essentials subscription.

How to check your credit score

Create an account for a free subscription to TransUnion Credit Essentials for access to free daily credit scores. Your bank, credit union or lender may also provide free access to credit scores and other tools on their app or online services. Not all banks and lenders use the same scoring models, so you may see some slight variation in scores when you check across platforms and websites.