TransUnion is another prominent credit bureau, offering credit information and identity protection services.
How It Works:
To generate credit reports and scores, TransUnion collects information from banks, credit card issuers, and other financial organizations. Just like Equifax, its model considers credit age, credit mix, debt levels, and payment history. To examine how these factors impact your score, you can simply obtain your TransUnion free credit report. You can unlock credit TransUnion for a more thorough view if you require additional information about your credit profile.
Improving Your Score:
Improving your credit score starts with consistent on-time payments, reducing credit card balances, and maintaining a healthy mix of credit types. To improve your score, you can also contest errors on your TransUnion free credit report. Use your TransUnion credit score frequently to monitor your progress, and a TransUnion free credit check to keep an eye on your credit health.
Take control of your credit health
Transunion Fraud Alert
A fraud alert is free and notifies creditors to take extra steps to verify your identity beforehand.
Credit Freeze & Unfreeze
Add a free freeze to control who can access your credit information. Unfreeze to apply for credit.
Free Annual Credit Report
Get your free weekly credit report to stay on top of your credit health.
Credit Dispute
Confirm information on your credit report for free, start a dispute or check a current dispute status.
Transunion - Insights
Car Buying Tips
What Credit Score Is Needed To Buy a Car?
There’s no standard, minimum score to be approved for a car loan. For VantageScore as well as the FICO® scoring model, credit scores range from 300 – 850.
Credit Advice
Why Did My Credit Score Drop?
Your payment history is one of the most important factors in your credit score. Missing even a single payment can have a significant impact on your score. That said, there’s no exact answer to how much a particular missed payment will affect your score. This depends on your credit history.
Debt Management
How to Rebuild Credit?
Rebuilding credit doesn’t happen overnight. It takes time and consistent good habits to achieve the credit score you want. While there’s no definitive answer for how long it will take, the best time to start is now.
Financial Hardship
I’m Relying on My Credit Card More. Will That Hurt My Credit Score?
If you use your credit cards a lot, you should be mindful of your credit utilization rate. It’s one of the biggest factors in your credit scores and can be an easily missed reason your score changes. Basically, credit utilization measures how much credit you’re using compared to your available credit limit.
Identity Protection
How to Spot and Avoid Phishing Scams?
The best way to protect yourself from falling victim to a phishing attack is to avoid clicking suspicious links. Emails and texts full of grammatical errors were the work of old-school, unsophisticated cyber criminals. Text message phishing attempts are sometimes referred to as “smishing”. Scams are now harder to notice at first glance.
Student Loans
Why Do I Have So Many Student Loans on My Credit Report?
It makes sense to think that if you’re going to one school, you’ll just have one big loan to pay when you graduate. But every time your school provides aid, a new loan may be created. This can make it confusing to know the number of student loans you may actually get. For federal loans, aid payment usually happens each fall and spring semester. So, you could have more than one loan for every full year you’re attending school. You can also apply for private loans any time, and every new private loan will appear on your credit report too.
