Menu Close

What service does TransUnion provide?

What service does TransUnion provide?

A credit monitoring service acts as both a personal assistant and watchdog when it comes to your credit. TransUnion’s credit report monitoring service gives you frequent access to your credit history, so you can check your credit report as often as you like.

What is TransUnion direct?

TransUnion Direct gives you fast, easy access to credit reports and other important information via the Web. We protect client and consumer information by eliminating shared IDs and passwords and encouraging individual users to share in the responsibility of maintaining a secured environment.

What information does TransUnion collect?

Your personal information, such as name, address, date of birth, and Social Security Number, is reported to TransUnion by your creditors. TransUnion maintains a separate credit file for each individual. Without your Social Security Number, the quality and accuracy of your credit history could be compromised.

What does TransUnion focus on?

As a global information and insights company, TransUnion’s robust consumer data and identity footprint, data modeling and precision data matching expertise, along with cross-category industry knowledge, are critical to effective people-based marketing and meaningfully differentiated from pure digital-data companies.

Can you trust TransUnion?

Is TransUnion legit? TransUnion is one of the three major credit bureaus, and it has a strong reputation for providing reliable, consistent credit scores. It offers credit monitoring services, fraud alerts, identity theft protection and other useful services to help consumers maximize their credit.

How do I get a live person at TransUnion?

TransUnion phone number: The official customer care number for TransUnion is 1-800-916-8800, and that’s the number I called to get to a real person. How to reach a real person: Answer the voice prompt or Press 0 if asked to enter a number.

Does TransUnion ask for your social security number?

Credit bureaus — Transunion, Experian, and Equifax — require this information, “to prove that you are you,” Chatzky said. They may also ask you to answer some other questions about places you’ve lived or loans you’ve had, or seek a partial number to help identify you.

Can TransUnion be trusted?

Why is FICO higher than TransUnion?

It’s considered to be one of the more balanced bureaus since it assigns weight fairly evenly across the standard risk categories. TransUnion ranges from a low of 300 to a high of 850. FICO scoring is more holistic, which allows more Americans to qualify for loans and mortgages than most traditional bureaus’ scores.

Which one is more important Equifax or TransUnion?

TransUnion uses most of the same personal information that Equifax does in scoring your credit; however, TransUnion may find certain aspects of your credit history more important than Equifax does. For example, TransUnion credit reports feature a more extensive employment history section.

What do you get with a TransUnion subscription?

On top of that, TransUnion subscribers get access to CreditCompass. The service provides personalized recommendations to get your credit score in shape, based on your current situation. In addition to its subscription service, TransUnion also offers free identity theft and credit monitoring through TrueIdentity.

What can TransUnion do for your credit report?

TransUnion aims to provide “information for good” to help consumers manage their credit and minimize risk. Though TransUnion offers products for businesses and the public sector, it mainly offers credit reports, credit scores, and identity protection products to consumers.

What are the pros and cons of TransUnion?

TransUnion offers robust credit monitoring services for a fee but also provides some protections with its TrueIdentity identity protection for free. The pros of its service include access to scores and reports, as well as tools like CreditCompass and the credit score simulator, which can help you make informed decisions with credit.

Do you get free identity protection with TransUnion?

Did you know TransUnion offers completely free identity protection? It’s called TrueIdentity and it’s trusted by more than 1 million users. With TrueIdentity, you can lock & unlock your TransUnion credit report with the click of a button. You also get unlimited TransUnion report access, alerts, and $25K in ID theft insurance – all 100% free.