TransUnion TrueCredit Overview

TrueCredit is part of TransUnion, one of the big three credit bureaus. TrueCredit allows you to check your report, see your score, and monitor your credit from anywhere.

TrueCredit is a hands-on monitoring service that helps you take an active role in watching and improving your credit. With unlimited reports you can access at any time, you won’t miss a single out-of-place transaction, and you’ll also learn how you can take steps to a higher score, with resources to help you better understand how your score stacks up.

TransUnion’s TrueCredit is ideal for those who want instant access and control of their credit score and report. Monitoring credit is the first step to preventing loss—and will help you improve your score in the process.

What TrueCredit brings to individuals is the opportunity to be continuously updated on and aware of your TransUnion report and score. Should anything ever change, you’ll get instant alerts that fraudulent or unwanted activity has been found.

As an added bonus, with TrueCredit, you can lock your credit reports from both TransUnion and Equifax. You can also use the Score Simulator to see how different financial decisions will impact your score.

Pricing: TrueCredit credit monitoring services are $19.95 a month, and you can cancel anytime

Ease of registration: You’ll just need your basic personal information to sign up for TrueCredit. As with many credit tracking products, if you’ve lived at your current address for less than six months, you’ll need to provide your prior address as well. You’ll also go through identity verification based on current and old accounts found on your report.

Mobile friendly: Somewhat—there is no dedicated TrueCredit app, but with a TransUnion account, you can access credit reports, scores and even spending information on-the-go with the TransUnion app.

Bottom Line: For those interested in learning more about credit reports and scores, TrueCredit allows you to watch for fraud while taking steps to actively improve your credit.

Sign up for TransUnion TrueCredit

  • Enjoy full TransUnion credit report access
  • Unlimited credit report refreshes
  • Email and smartphone alerts on activity
  • Lock reports and rest easy with up to $25,000 in ID theft insurance
  • No credit card required ever