July 14, 2016

Trans Union Review

Offers and Services

TransUnion is the best credit monitoring service and it is the leading intelligence provider. They possess one of the biggest collections of consumer information in the world. Apart from monitoring consumer credit, the company provides a wide range of b2b (business-to-business) services such as marketing services, risk management, collections management, and fraud and identity management.

TransUnion offers a special 3-in-1 credit monitoring service on their website. The service itself is provided through TrueCredit. The service costs only $29.95 and it includes a detailed report that holds information on the client's TransUnion credit score.

Credit Score and Reports

One of the biggest benefits of this service is that it works directly from TransUnion. That means that clients get all the data straight from the source, without a secondary service. This way clients get unlimited access to their TransUnion credit reports and scores.

The copy of the TransUnion credit report is cost free. When a client orders the report, he is automatically enrolled in the company's credit monitoring program which costs $11.95 a month. If the monitoring service is canceled during the first 30-day trial period, the unsatisfied client will not be billed. Keep in mind that this company only monitors information with TransUnion.

Identity Protection

TransUnion assists clients with identity theft and fraud issues by employing the Fraud Victim Assistance Department or FVAD. This department specializes in identifying potential frauds and they fix it with a security freeze. They also help clients to learn how to protect their children's identities from theft.

TransUnion provides each consumer with a $25,000 insurance policy that is meant for identity recovery costs if a theft occurs. The debt reduction services are handled by TrueCredit.com. If clients find any inaccuracies in their TransUnion credit reports, they can choose to dispute them online, or in writing via the traditional mail service. The online option is better because it disputes item quicker.

TransUnion has a couple of really nice features, but their best one is the fact that they provide an extensive report on the dispute process. They do not expect consumers to know everything about their reports. Instead, they dispute items themselves, but they allow clients to check on the status of the disputed items at any given time.


TransUnion is a company that has been in the credit monitoring business for a while now. They have a huge client database and they offer a good number of tools to consumers and businesses alike. The company is definitely one of the best credit monitoring services available at the moment.

The negative thing about this company is that the credit report monitoring service works only with TransUnion, instead of all three credit bureaus. Other companies reach out to all bureaus at the same time to ensure complete coverage.

Overall, TransUnion is a trusted name in the business and they deliver on their promises. Their service is limited to only one bureau, but the results are positive and they dispute items quickly and effectively. The identity theft program they offer is safe and reliable.