While experian at least gives you their report for free and give a 7 day trial to get all three. Trans Union doesn't give you anything through their app, unless you pay $20 a month that's $260 a year, and don't even give you a guide to help you improve the score in a meaningful way. For 20 bucks, the idtheft alert basically is saying "we notify you about changes". Reccomeneding me to sign up for a credit card when they get paid for that referral, is not something people should be charged for.
Reviews for TransUnion®
← Back to TransUnion®I downloaded the app and tried to login with the same credentials I use on the website, and it tells me that those credentials are invalid. I can log into the website, but not the app. So I figured maybe the app has to be registered separately and then linked, so I clicked "Sign Up" on the app's login page, and it takes me to sign up for the credit monitoring monthly subscription. So apparently this app ISN'T for checking your credit and managing freezes, but is just for the paid service.
I have the myTransUnion app that uses to let me freeze and unfreeze my credit. I think they abandoned that app. Now, I can't log in to this app with my same credentials that work on their website. They want you to pay for access. With all of the security beaches in the past years, I think credit companies should have a free, easy way to freeze and unfreeze credit.
The website and app are nearly impossible to use. The app is telling me that my password is too complex. Next, I tried logging into the website in order to change it to something easier for the app to understand, and the website tells me that the password I used to login to to the website "isn't the password we have on file for you." Um, what? Then, tried to connect with support chat, only to be told that the wait time was over 30 minutes. Their X (twitter) account is suspended as well.
This is a very crude app especially in comparison to the Experian app. Apparently it can do more than control a credit freeze and make a credit dispute, but it costs $30 a month to do so. Getting their version of a credit score costs extra too. There are problems logging in as I have to make multiple attempts in order to do so and there's no option for biometrics. This app says a lot about the company...
The app is fine and functional. I would assume that the score they show you on the app would match their score given when all the bureaus are pulled simultaneously. There is a 59 point difference for me currently. That is misleading and counterproductive. Not to mention I am paying for a service that shows me one thing and reports another without an explanation. Very disappointing.
Your service costs too much for too little, and when I had it I was only able to see scores from 1 bureau not all 3 - and one of the ones I couldn't see was yours!, and neither your website or app is user friendly at all. I had so many problems with both including support and dispute services that I probably wouldn't use your service even if it was free. I use CreditKarma (for free scores from you and Equifax) and Experian (for their new ExperianBoost service and more, unfortunately not free).
I believe this to be their paid subscription app for credit monitoring. Whereas, it would be nice to be able to login and freeze my credit from the app instead of getting linked out to another website. Credentials for this app also are different from the "service" and "true identity" products. It's just not a clean user experience. One set of credentials should work across all products, but allow different functionality depending on paid or not.
There's is lot of improvement needed. Especially on the security and usability front. There is no two factor auth. There are no options for enabling biometrics, have to key in the password everytime. Also once logged in I see a button to refresh my report if I hadn't logged in for a while. Why would anyone want to see their old score? I would want to see my latest score right when I login. It shouldn't be a choice. Credit compass is a useless feature. My score never increased based on that.
Not only is this service mind-bogglingly expensive at $25/month, but they want to charge an additional $29.95 for a credit report, which should be available for free, once per year. Unbelievable. Also, numeric fields default to alpha input (sophomoric!) and, when they send you a six-digit code to enter, the screen returns to the initial login screen when you open your email to get the code. This requires you to start all over again from the beginning. Tech support is not available 24/7 😞.
As a paying member for years, this service and product was great. Now, the website and app functionality is not working properly (specifically, the TU credit lock function) and after calling eight different numbers and spending hours on the phone, no one at TU is able to fix it. They keep pointing the finger at other departments; just running me around in circles. If I cannot get what I am paying for, then there is no longer a reason to keep paying for and using TU products. Very frustrating.
Very unpleasant experience, the app is very raw and a lot of work needs to be done before it's usable. $20 subscription makes it look even worse. I have to enter password manually every time, for example - no biometric login, not even a saved password. "Remember me" check box does nothing. Super annoying. The page where I enter my income is a disaster, plain and simple. I had to jump through hoops to enter my numbers. It would just keep adding zeros after comma instead of increasing the number.
Such a trash app. Take for example their alert notification system. There is NO WAY to set them as "read". So every time you log in, it looks like there's been a bunch of activity. But it's just the same old notifications. And when something new actually does happen, you miss it, because what's the difference between 34 notifications and 35? And their customer service? OMG... 2 hour long phone calls being sent to every department and NOBODY knows ANYTHING.
At first, it worked great. Now every time I try to view my accounts it won't load and freezes or crashes. I've uninstalled it, reinstalled it, force stopped it, cleared the cache and the storage and nothing is helping. There aren't any updates for it to maybe fix whatever is causing the issue that I've seen anywhere. This has been happening for ab 3 weeks now.
I've been trying to use this app for several weeks, but it CONSTANTLY tells me "Incorrect login information," even though I can login on the TransUnion website using the EXACT SAME login information. You'd think that after seeing the number of 1-star ratings on the Google Play Store, that they'd fix the issues with the app, but that doesn't appear to have any affect on their motivation to improve customer relations. Very sad indeed. There should be the option of "0" stars for non working apps.
The app is laggy and glitchy, making it hard to use compared to the website. It also seems outdated on information. When I tried to reset my password, the PIN pop-up lagged, forcing me to reopen the app. The agent I spoke with didn't acknowledge the issue, but I eventually got help. However, I'm uncertain about the app now, especially since my account was transferred to another agency, and I need a third number to contact them. Just be safe dealing with them.
My phone was hacked while my password manager was open. In short, I've had to reset every password since Dashlane, as I have recently discovered, has a *very* poor customer service system. In trying to reset my password on this app, I get all the way through the process only to learn at the VERY END that the "Service is unavailable"! For the love of Pete, it's a brainless digital system. Except for occasional maintenance, why does it need to be "unavailable" for a month?
I feel cheated out of my money! First off this app is not free. After downloading it and installing it which is and was the only part that worked. I checked my score which was at least accurate but than I started to notice issues. My personal information was mostly correct but my employment was 14 years behind! The credit compass did not work and and the app is hard to navigate. Ok let's move on, the app has very little information on credit and your accounts. This app is terrible, don't buy!
You would think that paying a monthly fee for service. It would be available to you daily. I can't even log into it cause there is always a we're sorry, something went wrong error. Always when logging in. I don't think that we should be paying a service we don't receive. This App is trash. I am not able to freeze or unfreeze my credit due to them upgrading to a new app.
As of right now my credit score went up so fast in just a 6 months it went from 4 to 628 . I have been trying to get an actual credit score for some time but for some reason some of my payments to certain Apartment complexes and other bills were never reported . Capital one debit card is the reason I got connected with this service and im so thankful . They have worked miracles for me. Thank you very much Transunion for everything.