And it's still free. The three national credit reporting agencies—TransUnion, Experian and Equifax—are required by federal law to provide you with a free annual credit report. In fact, AnnualCreditReport.com was created by the credit reporting agencies as a one-stop-shop to provide you with your annual credit reports.
Costs, services, etc.
You can sign up for credit monitoring services with TransUnion for $24.95 per month. Through this service, you'll receive access to your credit report and credit score at any time.
TransUnion Credit Monitoring Subscription Service
A paid subscription to TransUnion Credit Monitoring can help you approach credit with confidence. A paid subscription to TransUnion Credit Monitoring includes key information and tools you can use, all in one place.
Make sure your credit stays right-side-up with TransUnion®
Subscription price is $29.95 per month (plus tax where applicable).
Is TransUnion legit? TransUnion is one of the three major credit bureaus, and it has a strong reputation for providing reliable, consistent credit scores. It offers credit monitoring services, fraud alerts, identity theft protection and other useful services to help consumers maximize their credit.
Yes, even if you don't upgrade during your free trial, once it expires, your account will continue into a paid membership without notice to you, and you will be charged to the credit card you supplied. Your subscription will be auto-renewed and billed in the same way in the months that follow until you cancel it.
Question: Will checking my credit report hurt my credit score? Answer: Checking your own credit report won't hurt your score because it's considered a soft inquiry.
The easiest way to terminate your membership is through our online process, just click here. You may also terminate your membership by talking to a Customer Service Team Member at (833) 598-0673. Customer Service is available: 8AM – 6PM Eastern Time Monday-Friday.
On AnnualCreditReport.com you are entitled to a free annual credit report from each of the three credit reporting agencies. These agencies include Equifax, Experian, and TransUnion.
Cancellation. To cancel your Products or subscriptions, please go to Contact Us or call toll-free at (855) 681-3196 and contact our Customer Service Team.
A good score with TransUnion and VantageScore® 3.0 is between 720 and 780. As your score climbs through and above this range, you can benefit from the increased freedom and flexibility healthy credit brings. Some people want to achieve a score of 850, the highest credit score possible.
How Often Can You Check Your Credit Score? You can check your credit score as often as you want without hurting your credit, and it's a good idea to do so regularly. At the very minimum, it's a good idea to check before applying for credit, whether it's a home loan, auto loan, credit card or something else.
Visit https://www.transunion.com/home-story to cancel your subscription online. For more assistance, dial (855) 681-3196 and speak to customer service. You can voice other concerns or raise a complaint on the same number.
You are entitled to a free credit report every 12 months from each of the three major consumer reporting companies (Equifax, Experian and TransUnion). You can request a copy from AnnualCreditReport.com. You can request and review your free report through one of the following ways: Online: Visit AnnualCreditReport.com.
You're entitled to a free copy of your credit reports every 12 months from each of the three nationwide credit bureaus by visiting www.annualcreditreport.com. You can also create a myEquifax account to get six free Equifax credit reports each year.
A FICO score of 650 is considered fair—better than poor, but less than good. It falls below the national average FICO® Score of 710, and solidly within the fair score range of 580 to 669.
Your score falls within the range of scores, from 580 to 669, considered Fair. A 600 FICO® Score is below the average credit score. Some lenders see consumers with scores in the Fair range as having unfavorable credit, and may decline their credit applications.
FICO credit scores, the industry standard for sizing up credit risk, range from 300 to a perfect 850—with 670 to 739 labeled “good,” 740-799 “very good” and 800 to 850 “exceptional.” A 700 score places you right in the middle of the good range, but still slightly below the average credit score of 711.
As per our Service Agreement, we do not offer refunds after your trial period. How can I contact your Customer Service? » For Customer Service questions, please call us at (855) 468-1378.
It's free! Access free credit reports from each of the nationwide credit bureaus each week. You may be entitled to additional free credit reports under certain circumstances.
Although ranges vary depending on the credit scoring model, generally credit scores from 580 to 669 are considered fair; 670 to 739 are considered good; 740 to 799 are considered very good; and 800 and up are considered excellent.
Credit Score Ranges
TransUnion uses the VantageScore® model when calculating your credit score, based on a range of 300 – 850. A “good” score may rest in the 661 – 720 range. Equifax, meanwhile, uses its own scoring model with a range of 280 – 850, with “good” being 670 – 739 and higher.
The main ways to erase items in your credit history are filing a credit dispute, requesting a goodwill adjustment, negotiating pay for delete, or hiring a credit repair company. You can also stop using credit and wait for your credit history to be wiped clean automatically, which will usually happen after 7–10 years.
Good news: Credit scores aren't impacted by checking your own credit reports or credit scores. In fact, regularly checking your credit reports and credit scores is an important way to ensure your personal and account information is correct, and may help detect signs of potential identity theft.