Get 3 Bureaus + Identity Protection

We offer two subscriptions:

TransUnion Credit Essentials is a free subscription centered on your TransUnion credit profile. You get daily TransUnion credit reports, scores & monitoring, your potential score with goals and insights, personalized offers, plus credit health explanations and tips throughout.

TransUnion Credit Premium is a comprehensive paid subscription that includes everything offered in Essentials, plus 3-bureau credit visibility (adds Equifax & Experian daily monitoring and quarterly score & report updates), identity monitoring (including Dark Web), dedicated identity resolution services, and advanced credit tools.

Only you can decide, but here are needs our premium service addresses best:

1. Complete your credit picture: With TransUnion Credit Premium, you get all 3 nationwide credit bureaus’ reports and scores (quarterly), from TransUnion, Experian, and Equifax, not just TransUnion's. Because lenders may report to one, two or all three bureaus, each of your reports may have different information. If you’re planning to apply for credit, knowing where your credit stands at each of the 3 nationwide bureaus can help you prepare.

2. Advanced credit tools: our premium service also comes with tools that help you understand how your credit works:

• Credit Calendar helps you plan ahead by showing you when the accounts on your TransUnion credit report send updated information to us. 
• Credit Score Estimator helps you test what your score could look like under different “what if” scenarios (e.g., paying down a balance, missing a payment, opening a new account).

3. Keep an eye on critical credit report changes for all 3 nationwide bureaus: Monitoring all three bureaus’ reports helps you cast a wider net when looking for suspicious activity—like unfamiliar addresses or accounts—faster. Catching issues early and paying attention to all three bureaus may reduce your risk of identity theft or fraud.

4. Comprehensive identity protection:TransUnion Credit Premium is also a great choice for those concerned about identity theft or fraud, offering tools to address identity-related risks and events:

• Identity monitoring and alerts for a range of personal information categories you may want to keep an eye on: driver's license, email and physical addresses, your SSN, phone numbers, bank accounts, debit and credit card account numbers, medical ID numbers, and other personal information. The information you've provided is checked against dark web sites illegally trading stolen personal data, criminal record databases, and other sources that may signal identity risks. If a match is found, an alert is sent to you so you can review the activity and decide what steps to take next. 
• Identity resolution services means if you suspect your wallet got stolen, your online accounts have been hacked, or you’ve suffered another kind of identity theft or fraud event, you’ll get a dedicated specialist to help resolve the issue.

5. Identity theft expense reimbursement insurance. As a premium member, you’re protected with $1,000,000 in identity theft expense reimbursement insurance. For more information, review the Summary of Benefits for New York residents and the Summary of Benefits for non-New York residents.

It’s both and more!

With TransUnion Credit Premium, you get 3-bureau credit monitoring (TransUnion, Equifax & Experian) plus all 3 scores & reports updated quarterly for a complete credit picture.

You also get powerful identity theft protection, like identity theft resolution services, identity monitoring & alerts (e.g., Dark Web, SSN/name/address changes, criminal  records associated with your personal information), and $1,000,000 identity theft expense remimbursement insurance.

Plus, our Premium service includes advanced credit tools like Credit Calendar, Credit Score Estimator, and 3-bureau credit health tips & insights to help you stay informed and in control.

If you have a Credit Premium subscription and you suspect you’ve become a victim of identity theft or fraud, call TransUnion. You will be assigned a dedicated restolution specialist. We're available Monday through Friday, 8am-8pm Eastern time.  We're closed on major U.S. holidays.

Your specialist works on your behalf, coordinating with banks, financial institutions, and other agencies to resolve issues.  They can provide assisted support to manage the resolution process. 

If you need to file an identity theft expense claim, your specialist will also help you gather and complete required paperwork.

The Dark Web is a hidden part of the internet – not typically found by search engines or widely available to the public – where stolen personal information is often bought or sold.

TransUnion Credit Premium includes Dark Web monitoring that helps protect your personal information. Risky areas of the dark web are scanned like forums, chat rooms, and sources known for stolen data.  You will be alerted if your monitored information is found so you can take protective action. 

Here’s how it works:

1. When you’re logged into your account, you can securely input the personal information you want to be monitored for identity theft & fraud risks. Examples include email addresses, your Social Security Number, bank and credit card accounts, passport details or your driver's license.
2. The dark web is scanned for matches.
3. If a match is found, you'll receive an alert and, where appropriate, steps  you can consider to help protect yourself.

With Dark Web monitoring, you’re extending your identity theft risk detection to areas unknown or hidden to the public but frequented by criminals, fraudsters and others looking to benefit from the exposure, theft and misuse of personal information.

Credit Calendar helps you stay steps ahead of TransUnion credit events so you can plan upcoming payments and applications with your credit health in mind. It’s an advanced credit tool included with TransUnion Credit Premium, showing you:

• A clear picture of what's reported to TransUnion
• Key credit events for the next 30 days based on your TransUnion credit report
• Event details, including specific-amount payment data that may be reported to the bureau

Credit Score Estimator is another advanced credit tool you get with TransUnion Credit Premium. It shows you how different actions could impact the VantageScore^® 3.0 credit score you see in your account.

Wondering what happens if you pay down a balance, open a new account, or miss a payment? With just a few clicks, you can model “what if” scenarios and understand the potential effect on your score before you make a move.

It’s a valuable tool you can use to experiment with certain choices and see their possible positive or negative impacts on your credit score.