USA Free Credit Score
A FREE 7-day Trial of 3-Bureau Credit Monitoring, which Includes UNLIMITED Access to your TransUnion Credit Score and Monitoring for ALL 3 Bureaus.
TransUnion has the expertise in providing easy-to-read credit reports, credit scores, analysis and informative, unbiased content. TransUnion Credit Monitoring is a unique service that gives you unlimited access to your TransUnion credit score and you can also have the ability to monitor your TransUnion credit report on a daily basis.
TransUnion credit scores are based on the VantageScore system, which was developed by the three credit bureaus as an alternative to FICO scores. While no company reveals their "secret formula" for calculating your credit score, based on our testing we've found that VantageScores can be more different than FICO scores compared to other branded credit scores. TransUnion does do a nice job of helping you understand your VantageScore. They give you a letter grade (A,B,C,D or F) and put you in a percentile (0-99%) associated with your credit score so you can get a clear idea of how your score compares to the average credit score. They also give you an explanation of the factors that are negatively affecting your score, which is always nice to know.
TransUnion Credit Monitoring also includes the ability to lock and unlock your TransUnion credit file as part of their service. Locking your credit file means that no one has access to it for any reason, whether it be checking your credit or opening a new account. It is great protection against identity theft. For those that want to do this, it could be a valuable benefit. TransUnion also includes $25,000 of identity theft insurance in their service.