Check out the available features in your updated TransUnion Credit Essentials account!

Your current membership may have had access to the following features below, however those will not be included in the updated experience.

Please review them carefully.

TransUnion Credit Lock

The TransUnion Credit Lock feature will be deactivated once your account is transitioned to the updated experience. Until then, you’ll still have access to this feature. If you have a TransUnion Credit Lock in place at the time of your transition, it will remain locked until you remove it. Once you remove your Credit Lock, you will still be able to place a credit freeze at no cost on your account, which will also block lenders from checking your report to open an account. You can always manage your free credit freeze through TransUnion. Click here to learn more about freezing your credit.

Equifax Credit Lock

The Equifax Credit Lock feature will be deactivated by 1/31/2025 but you will still have access to it until then. If you have an active lock on your Equifax credit file at the time of deactivation, it will remain locked for your protection until you replace it with a credit freeze on Equifax’s website. You can also call their customer support team at (888) 378-4329.

CreditCompass^TM (Score goal setting)

CreditCompass^TM will be going away, but you’ll still have access to similar credit health insights and tools.

Score Simulator

Score Simulator will be going away, but a similar educational tool will only be available for premium accounts.

$1,000,000 Identity Theft Insurance

• This will now only be available for premium accounts.

• If you had the $1,000,000 Identity Theft Insurance, your policy coverage will end when your account is transitioned to the updated experience. You will have 120 days to file a claim for any incident that happened while you were protected under that coverage.

• We will be providing coverage as part of the updated experience, but at a reduced amount of $25,000 until you cancel your current membership or upgrade your membership. You will be able to upgrade your membership once you are transitioned to the updated experience.

ID Restoration

• Will now only be available for premium accounts.

• If you ever need assistance after being the victim of fraud, TransUnion’s Fraud Victim Assistance Department (FVAD) offers free help and resources.

3-Bureau Credit Reports, Scores and Alert History

• If you had 3-Bureau credit reports for TransUnion, Equifax and Experian, we will be migrating the latest report information to the updated experience.

• Up to 6 months of credit scores from TransUnion, Equifax and Experian will be migrated to the updated experience for a view of your recent score trending. 

• No credit alert history will be migrated to the updated experience, so please review your current and past alerts now and ensure they no longer need your attention.

3-Bureau Quarterly Reports

Will now only be available for premium accounts that are eligible.

3-Bureau Quarterly Scores

Will now only be available for premium accounts that are eligible.

My Path (for zendough customers)

Will not be supported in the updated experience.

Dark Web Identity Alerts

Will now only be available for premium accounts.