Trans Union

Transunion’s «new look» means you cannot do anything for free any more. You cannot dispute anything without having to pay. I understand the need for the companies to make money, but hang it all, Transunion makes plenty $$$ from the businesses that pay them. Nickel and diming the consumer never led us «little people» into prosperity.

They had charged me over thirty dollars before I noticed. Scam artists! When I called my credit card to dispute, they were well aware of the situation and stated: «it’s all in the fine print.» They have no interest in doing anything but taking your money and they acted so surprised that this happened when I called… so deceitful!

All the horrible reviews about Equifax and Experian (pretty much one star across the board) thankfully warned me away from using them to retrieve a credit report. Having successfully resolved a dispute with Transunion by mail, I got onto their website in order to get an updated copy of my credit report.
Now, here is the disclaimer: READ CAREFULLY before you give your credit card number (to them or to anyone, really). These are for-​profit companies and not a governmental agency; they WILL charge you something. Here’s what it says on the first page of the Transunion website: «Your FREE TransUnion Credit Score & $ 1 Credit Report are available as part of a 7-​day trial of our subscription-​based credit monitoring service. You may cancel at any time during the trial period. At the end of your 7-​day trial, you will be billed at the low cost of only $ 17.95 per month (plus tax for NY residents).»
Knowing this, I got my score and summary for Transunion, and then I chose to pay $ 29.95 to get the three-​bureau credit report and score. (You will get Equifax and Experian too without having to deal with them – YAY!) Since I had what I needed, I didn’t want to continue paying the $ 17.95 a month membership fee, so I called the customer service line. Surprisingly, one of the options is to cancel, and they give you clear instructions about going onto
and canceling your subscription. It’s super easy.
Based on the clarity of their instructions and the ability to easily get what you want and cancel, of the three credit reporting agencies, I would most definitely recommend dealing with Transunion.
I’ll also be closely checking my bank statement to be sure the charge really IS canceled, too!

Deceitful scam!!! The fine print is too fine. I carefully read everything and I too did not see that I was singing up for a service with a monthly fee of $ 17.95. They are not upfront with the fee because the service isn’t worth it. Hiding the monthly charge is deceitful. It should be illegal, they are taking advantage of people who want to improve themselves financially. Shameful!

It’s ironic that these people monitor your credit when they are also in the practice of highly deceitful business practices designed to take your money without you realizing. I will NEVER use transunion’s service again. Any business that hides behind the guise of a free service and then begins billing you with out making it clear and then forces you call them in order to cancel is boarding on a con or fraud scheme. Who ever runs this organization can go to hell. You lack business sense and morals.

These people will do anything to get your money and I hate that with a passion!
I’ve used Transunion credit report services before and never had any problems with them until today.
Earlier in November of 2014 I had signed up for a free trial to get my credit report/​scores and was well aware that if I did not cancel before the 7 days I would get charged the following month and I did.
So I called Transunion December 9 2014 and said that I wanted to cancel my subscription and the guy on the phone reassured me many times that it was canceled.
Well guess what? Today I look at my bank account and see a charge for $ 18, which I did not authorize. I called Transunion again and said what the heck is going on. I told them that I had cancelled a month ago and that they should not be puling money from my account.
To me this is fraudulent and you guys a t Transunion know what’s going on. Now I don’t trust that I will be given a refund like I was told.
First you said I can call and cancel and you don’t cancel my subscription then you tell me that I will be given a refund, but I don’t believe you.
Instead I called my bank and told them the situation and they agreed to do a stop payment from Transunion for this fraudulent charge and other unauthorized charges in the future. At this point I’m not even sure who I can trust to get my credit score from.
This is very upsetting to say the least and if your wanting to get your credit report with score I strongly suggest you choose another provider.

Trans Union dupes you into thinking you are getting a credit report for $ 1.00 that is suppose to be free so you can live with that. Then they swoop in and charge you $ 17.95 in 7 days for something else they say you agreed to but you didn’t. When you try to get them to give you a refund they say no dice! Never ever use them. they shouldn’t get a half a star for being so unethical. Whatever happened to the customer is always right. One star is as low as it goes but I’d go lower if I could.

Major SCAM! Read all the other reviews, same thing happened to me! Do not pay the 1 $ for your credit report, it automatically signs you up for their service and your credit card will be charged monthly! You won’t even get an e-​mail about it, they just charge you. You then call them and they say you didn’t read correctly. (even though it’s not written anywhere when you order your credit report for 1 $).

this place is a major scam. don’t give them your credit card number. don’t think you’re ordering your credit report for a dollar. scam scam scam

DO NOT PAY THE $ 1!!! It’s a set-​up for a subscription costing $ 17.95 a month, which they will shamelessly charge after the 7^th day of having your credit card info. They will not refund the fee. BEWARE! Terrible business. If you do need to give them your credit card info for the $ 1 credit report, CALL THEM AND CANCEL IMMEDIATELY AFTER!!!

I have been trying to fix my insurance score for over a week. I have perfect credit but they are reporting me as a high risk on the insurance side. They keep telling me it’s done by a machine and it is right. You can not have a perfect credit score and be rated as poor credit on an insurance credit rating. Trans union please contact me.

TransUnion is running a massive scam, legal or not.
1) As others have noted, they only give you your «free» credit report if you give them a credit card and sign up for their «credit monitoring service» which costs $ 16.95/mo. You can immediately cancel and not get charged, but in order to cancel you have to CALL and cannot do so from their website. And of course, they’re counting on people like me to never get around to calling before the charges show up.
2) Transunion DOES NOT REPORT YOUR FICO SCORE. They report their own system called «VantageScore» which is NOT the standard 300 – 850 range most people expect.
3) The whole thing is just so shady. They’ll have ads that say, «What you’ll instantly receive: Credit score 832» As if signing up will get the a better score (tiny small print says «Sample Score» underneath).

All the information these idiots (Transunion) have is incorrect. My credit score is excellent and I’ve never defaulted any payment ever. The idiot from this organization asked me irrelevant questions and denied credit for me while changing mobile carrier. It appeared to me as if these dumb fellas have incorrect info about me on their file. I’ve always made timely payments and have excellent credit history. These guys are doing a shoddy job that’s all I can say.

I can’t stand powerful organizations that can mess me up but I’m learning to navigate that matrix. The blame is due to my former mortgage company having erroneously reported late payments, when it was they who sold my mortgage to another company. My score was trashed, even though I never paid late.
Trans Union saw immediately that the report made no sense, They got the mortgage company on the phone, and removed the adverse report. Now my credit report is blemish-​free. At the end of the conversation my score climbed 154 points, to 885 out of a possible 950.
So I thanked the awesome representative who made life wonderful again. BUT WAIT, THERE’S MORE! She said, «here are tips to further increase your credit score.» I learned the following:
1) Don’t close old accounts, even if they have been paid off for a long time (but use them once a year).
2) If you use your credit cards, keep the balance below 35% of your available credit.
3) Avoid outside inquiries to your account if you can.
4) Use the free credit report available at
and stagger your own inquiries, e.g., check Experian, then Equifax four months later, then Trans Union another four months later.
5) Don’t open new credit cards.
I feel so smart…
P. S. They can also stop credit card solicitation mail.