Free TransUnion credit reports, scores* & monitoring. Daily!

Credit monitoring helps you keep a close eye on your credit profile. It works by regularly checking your TransUnion credit report and scores for any critical changes. Credit monitoring helps you stay on top of these kinds of critical changes without having to order and review individual reports.  It can also help you feel more confident about your credit health, knowing you’ll get notified if your report or score changes in a critical way.

Some key components of credit monitoring include:

1. Credit report review: Inspect your credit history, account balances and personal information to monitor for changes so you can identify and correct any potential inaccuracies.
2. Critical alerts: Get notified when there are important credit report changes — such as late payments, new accounts opened, hard inquiries — or big drops in your score.
3. Identity protection: Stay on top of your credit report to help catch signs of fraud early. That’s because if you see something surprising or unusual in your credit report – an address change you don’t recognize, a new account you didn’t open, or a credit inquiry you didn’t make – it may be a sign your identity has been stolen. Finding out about such suspicious credit report changes as soon as possible puts you in position to take action to help protect your accounts or limit additional damage.

To quickly appraise your credit health, your credit score is the place to look. Lenders may use it as part of their criteria when deciding whether to extend you credit.

Note: The score provided by TransUnion is based on the VantageScore^® 3.0 model. There are many scoring models. Because there are varied scoring models, you’ll likely have different scores from different providers. Lenders use many different types of credit scores to make lending decisions.

A credit report is not the same as a credit score, and you usually won’t find your credit score on your report. Your credit report is a record of your credit activity and history, and it makes up an important piece of your data identity. You should manage it wisely so you can get the opportunities you deserve in the modern economy. 

A credit score is a number that is calculated based on the information in your report such as credit usage, length of credit history, account mix and new credit.  

The score provided by TransUnion is based on the VantageScore^® 3.0 model. Lenders use many different types of credit scores to make lending decisions.

A credit monitoring service watches your credit reports and alerts you whenever there are critical changes to any of your accounts that are reported to TransUnion^®. Examples of critical changes include new accounts being opened in your name, a credit card balance increase, or negative information like a late payment reported by one of your creditors. Monitoring helps you stay on track when it comes to maintaining healthy credit.

It also helps you look for inaccurately reported information that may be unauthorized activity possibly indicating fraud. With the growing threat of identity theft, it's important to make sure that you watch your credit closely.

TransUnion’s free credit monitoring service helps you approach credit with confidence. Your subscription includes a VantageScore^® 3.0 credit score and TransUnion credit report. With our free credit monitoring service, you have unlimited access to your TransUnion credit report, while staying on top of your credit and monitor any changes to it.

Your credit score is calculated using the information in your credit report. Several key factors contribute to a credit score, such as payment history, credit usage, depth of credit accounts and recent credit. Read our blog for more information on credit score factors.

The score provided by TransUnion is based on the VantageScore^® 3.0 model. Lenders use many different types of credit scores to make lending decisions.

With your name and social security number, imposters can open credit cards, rent an apartment, take out a car loan and even open new bank accounts. Most victims don’t realize they’ve been compromised until they review their credit report or credit card statements, and it may be too late. Using a credit monitoring service can help alleviate the headaches that come with trying to restore your identity after it’s been stolen. Credit monitoring notifications can help put you in a position to act fast should you detect any credit report change indicating suspicious account activity.

TransUnion^® Credit Essentials is a free subscription. You do not need to supply your credit card either.  You can create your account in minutes and then see your free credit score and free TransUnion^® credit report and get access to the benefits.

With a free account, you get your VantageScore 3.0^® credit score right away along with letter grades for the major factors that make up your score. We analyze your credit profile to find offers for credit cards based on your chances of approval odds, and potential savings. We also monitor your TransUnion credit profile daily and alert you of important changes, so you can spot potential inaccuracies and take necessary steps to protect your credit.

No. TransUnion Credit Essentials (free) does not offer identity monitoring services.

The free account provides access to a network of third-party financial offers, such as credit card, based on a consumer’s credit profile

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In the meantime, log in here for the web version of the updated experience.

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