Breaking down Transunion Credit Monitoring: Can Transunion Credit Monitoring accurately monitor your credit?

Find out what you need to look for when picking a credit monitoring company. The right company provides accurate scoring (& protects your ID)!

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Transunion Credit Monitoring has an A+ rating with the BBB. They have been helping their customers keep an eye on their credit since 1989. These alerts let customers fix problems. Want to get the most from credit monitoring? Team up w/ a reputable credit repair expert — like Credit Glory — then you're equipped to squash credit problems (fast)!

What does Transunion Credit Monitoring do (& are their services legit)?

If you're looking for a loan, you need to know your credit score. Credit monitoring helps you get accurate credit information, which you can use to fix any inaccuracies. Choosing the right company is essential, and it's important to use one that's reputable. Transunion is one of the big three credit bureaus so you can count on an accurate score.

Transunion Credit Monitoring can identify errors, but they can't fix them. So what's the best way to improve your credit (& boost your score)?

The easiest way is working with a reputable credit repair company (like Credit Glory). They help you dispute and resolve any inaccuracies on your report identified by Transunion Credit Monitoring. That way, you can improve your credit (& boost your score) to get the best rates (& save money).

3 critical items you need to consider before monitoring your credit

1. If you aren't monitoring your credit, you need to be.

If you're planning on getting a loan you need to know your credit score first. Using credit monitoring tells you your score — and it also alerts you when there are changes. Knowing about potential identity theft, fraud, or data breaches prevents your credit score from taking serious hits. Additionally, knowing your score helps you set goals and plan, so you can get a low rate (& great deal) on a loan.

2. Don't get scammed by illegitimate credit monitoring services.

Credit monitoring at a low price (or free) sounds like a deal, right? Wrong, this is a big red flag that it may be a scam. You also encounter another (big) reason to proceed with caution. Signing up for a credit monitoring service involves sharing sensitive information. What can you do for security?

The best way to protect yourself (& your identity) is looking for common red flags. A few are:

  • Asking for personal information over the phone or email.
  • Requiring payment through money order or gift cards.
  • Poor ratings or customer reviews with an accredited agency (like the BBB).

Last, and certainly not least, do your due diligence. Anytime you fork over personal information to a company you need to research the company & verify credibility. The good news? You're reading this review, so you're too smart to be grifted by con-artists.

3. An essential (& commonly overlooked) component of credit monitoring: identity protection (& does Transunion Credit Monitoring offer it?)

Good credit requires more than just monitoring. A critical component? Identity Protection. Without ID protection fraudsters could wreck your credit in the blink of an eye. In fact, according to the FTC, 9 million identities are stolen every year! The bottom line? You need identity protection w/ your credit monitoring package.

The bad news? Transunion Credit Monitoring doesn't include ID protection in their plan. Without this crucial component, you are missing out on a more comprehensive monitoring service.

What's the verdict on Transunion Credit Monitoring — legit or scam?

  • Can you sign up for free? - Currently there isn't a free option. Credit monitoring will set you back $24.95 per month.
  • Is it safe to monitor credit with Transunion Credit Monitoring? - As one of the 3 major credit bureaus they are very safe.
  • Do they offer an app? - They don't currently have a mobile app.
  • Is there a cost to cancel? - You can cancel for free any time.
  • Do they include ID protection? - ID protection isn't included with their service, but they do offer up to $1,000,000 in ID theft insurance.
  • What makes Transunion Credit Monitoring special? - They deliver instant email credit alerts, and update your score daily. They also allow you to lock and unlock your TransUnion and Equifax credit reports.
  • Will checking my credit score with Transunion Credit Monitoring lower my score? - Monitoring your credit will not decrease your score.

Our recommendation: should you work with Transunion Credit Monitoring to monitor your credit?

The bottom line? Transunion Credit Monitoring is the choice for you if you want daily score updates and trusted reliability. Are they the best value? Not when they are compared to IdentityIQ.

Why IdentityIQ is the best credit monitoring service for you (over Transunion Credit Monitoring)

Monitoring your credit is great, but what about complete protection? For complete protection, you need a partner that monitors your credit and protects against identity theft. That’s where IdentityIQ offers a better solution than Transunion Credit Monitoring.

Besides credit monitoring, they monitor the dark web and let you know if something fishy is going on. What if someone steals your identity? IdentityIQ provides up to $1M in stolen funds coverage.

What credit monitoring does & doesn't do for you

First, let's start with what credit monitoring does do for you. Every company (& monitoring plan) has different aspects that they track. In general, monitored items include several principal areas such as:

  • (Hard) Inquiries
  • New accounts opened
  • Current balances
  • Payment history
  • Bankruptcies

This watchdog is a powerful tool — but there are limitations. It functions like an alarm. It alerts you to an issue, but handling the problem is up to you. Dealing with inaccurate (or incorrectly reported) items in these areas is an entirely new problem that monitoring alone can't solve. This is where credit repair, either on your own or with an experienced expert, saves the day.

Credit monitoring + credit repair: A holistic approach to your credit

Credit monitoring is only half the equation for healthy credit. The other half? Credit repair. Credit monitoring alerts you to errors — but doesn't fix them. Removing the errors (& boosting your score) is a job for credit repair.

You could take on a notoriously convoluted credit industry and repair on your own (good luck w/ that). The better way? Partner with a reputable credit repair company (like Credit Glory). Credit Glory has the experience to fix errors in all areas monitored by credit monitoring companies.

Why Credit Glory + IdentityIQ = your best credit score

  • Identify (& fix) errors quicker - Combining credit repair & monitoring, puts you in the driver's seat. You're equipped to handle any credit issues that come your way.
  • Boost your financial confidence -  An expert team — ready to pounce on any credit issues — gives you the confidence to reach your financial goals. You can apply for the loans you deserve  (w/o worrying about credit surprises).
  • Take control of your finances - Monitoring your credit and hiring a company to correct mistakes is the smart move. It puts you in control of your credit (& future). Nothing says you're serious about your goals like taking charge of your finances.

Boost your score with Credit Glory

Disputing negative items on your credit report is hard work!  It takes a lot of time, effort, organization, and follow up.  The good news?  Our team of credit repair professionals are here to simplify everything!  Let your dedicated credit repair expert relieve you of the stress, hassle, and time needed to fight your inaccuracies and boost your credit score (FAST!)

Credit Glory is a credit repair company that empowers consumers with the opportunity and knowledge to reach their financial dreams in 2020 and beyond.

Call us at (855) 938-3044 or set up a consultation to get started, today!

Why choose Credit Glory?

Competitor 1
Competitor 2
Price
$99/m (+ small, one-time $199 review & setup fee charged once your letters are sent)
$90–$130/m ($130 most popular)
$79/m (+$79 review/setup fee)
Customer Service
Mon - Fri: 9AM - 8PM
Sat & Sun: 9AM - 5PM
5 days/wk (M-F), 7 A.M.–7 P.M.
5 days/wk (M-F) 9AM-5PM
Guarantee
Industry-leading 90-day, 100% money-back guarantee (if we remove no negative items)*
None
Money-back guarantee
Reputation
A+ BBB rating (4/5 stars)
No BBB rating (2/5 Stars)
C- rating w/BBB
*Less the initial setup fee
Accurate as of October 28th, 2020

Start Fixing Your Credit, Today!

Call and start your credit repair process, today! Don't let inaccurate items on your credit report hold you back.