TransUnion Credit Bureau

TransUnion Credit Bureau, Experian, and Equifax are the "big three" in the world of credit bureaus. But, what makes TransUnion one of the big three? What makes this company so successful and what do we need to know about them? Read on to find out.

TransUnion Credit Bureau: An Industry Leader

With over 50,000 customers worldwide, this company must be doing something right. TransUnion Credit Bureau maintains one of the largest collections of consumer information and is dedicated to providing credit grantors with a source of fast, reliable, and valuable credit information.

TransUnion's Wealth of Information

Using TransUnion's wealth of credit information, credit grantors can get an accurate picture of an applicant’s credit history. This information comes in the form of a credit report, and gives the applicant a credit rating or score. This score will determine how much credit an applicant receives, while also affecting the interest rate they will be required to pay.

TransUnion's Services

It is important to note that TransUnion Credit Bureau is constantly updating consumer information to make sure creditors get the most accurate report regarding an applicant's credit. That’s why it is important for an individual to make sure their credit history reflects the proper score. Getting your credit report from a reputable credit bureau like TransUnion can be worth its weight in gold.

All of the major credit bureaus, including TransUnion will issue at least one Free Annual Credit Report. After that, TransUnion has different services you can purchase. (Please note that all prices shown below are accurate as of October 18, 2006.)

Free 30-Day Trial. TransUnion offers a 30-day trial with unlimited access to your credit report. You will receive notification of any significant changes within 24 hours and up to $25,000 for identity theft insurance at no extra cost. If you are satisfied with the service after a trial basis, the cost is $9.95 per month.

One-Time 3-Bureau Credit Report. The first credit report is always free, but if you have already used up your freebie and want access to your credit report, TransUnion has an offer for you. For a fee of $29.95, you can get one-time access to a 3-in-1 credit report. This report is a combination of data and reports from the Big 3 credit bureaus: TransUnion, Experian, and Equifax.

Unlimited 3-Bureau Credit Report Access. If once isn't enough, you can gain unlimited access to your "Big 3" credit report. This includes 24-hour notices of any significant changes and the $25,000 identity fraud insurance. The cost is $24.95 for the first month and $14.95 for each recurring month.

What Else TransUnion Does

One of TransUnion’s goals is to make sure your credit report is accurate and reliable. That’s why if there are any discrepancies, TransUnion is glad to help you either by mail, telephone, or through their website.

TransUnion offers many resources on their website to help you protect you against fraud and identity theft. The consumer support department offers tips to help manage your credit and improve your credit score.

TransUnion promises to abide by ethical standards and operates under the Federal Fair Credit Report Act (FCRA). This limits your credit information to only those who have a legal purpose for accessing it. It eases your mind knowing the level of confidentiality of your credit information.

TransUnion Credit Bureau is proud to sponsor its communities through non-profit educational programs like Operation Hope, Junior Achievement (JA), and Community and Individual Development Association (CIDA).

TransUnion Credit Bureau Accomplishments

TransUnion is an established industry leader for good reason. The company promotes ethics, confidentiality, and worldwide support. TransUnion's services are accessible through online, telephone, and postal mediums, and the company has one of the largest collections of consumer information, aspiring to make sure all your credit information is accurate. TransUnion also provides education in protecting and managing your credit.

For these reasons, it is easy to see why TransUnion Credit Bureau is one of the three biggest credit bureaus and why you should let this company help you maintain control over your credit standing.

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