"Direct-from-bureau monitoring you can trust"
Best for people who specifically want TransUnion data and the strongest one-bureau credit lock on the market.
$29.90 / mo after trial
7-day free trial
1 of 3
VantageScore 3.0 — TransUnion only
Lost-wallet, SSN & dark web monitoring
Up to $1,000,000 ID theft insurance
Real-time TransUnion alerts
Anyone who wants data straight from a credit bureau
What you get when you access your official TransUnion consumer accounts and tools.
Access your free VantageScore® 3.0 credit score online, updated regularly to help you track your credit health accurately.
Review your detailed TransUnion credit history anytime to check for open accounts, history tracking, and active inquiries.
Add an official layer of security by easily freezing and unfreezing access to your credit file to prevent identity fraud.
Stay informed with automated critical alerts sent straight to you the exact moment a major shift or new application happens.
Request and download your fully comprehensive statutory credit check profiles annually under federal regulations.
Unlock tailored recommendations for credit lines, loans, and custom financial products based right on your current score rating.
Official feature analysis and expert answers regarding TransUnion's direct consumer credit services.
Yes, absolutely. TransUnion is one of the big three credit reporting agencies. Checking your score or setting up monitoring directly through their official consumer portal is 100% secure. It uses a "soft inquiry" (soft pull), meaning you can log in daily to check your data without hurting your credit score.
TransUnion provides your credit score based on the VantageScore 3.0 model. It is a highly respected industry standard used by millions of lenders to analyze creditworthiness, calculated directly from your official TransUnion credit report data.
Through the myTransUnion dashboard or mobile app, you can lock your TransUnion credit report with a single tap. This instantly blocks lenders from accessing your credit file to open new accounts, stopping identity thieves in their tracks. You can unlock it just as quickly whenever you need to apply for a loan.
Yes. TransUnion’s premium subscription includes up to $1,000,000 in Identity Theft Insurance. This identity protection coverage helps pay for legal fees, lost wages, and out-of-pocket expenses required to restore your identity if it gets compromised.
Yes. A major advantage of going bureau-direct is their integrated dispute center. If you find an incorrect account balance, wrong personal detail, or unauthorized inquiry on your dashboard, you can file a dispute online for free and track its investigation status in real time.
It is ideal for users who want bureau-direct data accuracy, daily score refreshes, and immediate fraud alerts. It is perfect if you value proactive security features like an instant app-based credit lock and high-tier identity theft insurance over multi-bureau bundles.