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Founded in 1968 in Chicago, Illinois, TransUnion is a global credit reporting agency that offers credit monitoring and identity theft protection services. TransUnion's identity protection is completely free and allows customers to lock their credit report with one touch of a button. TransUnion strives to help protect customer data via monitoring services, fraud alert messages, a credit freeze, and interactive technology.
|#1 LifeLock ›|| |
|#2 IdentityIQ ›|| |
|#3 LegalShield IDShield ›|| |
|#17 TransUnion TrueIdentity ›|| |
With TransUnion's credit lock protection services, customers can control access to their TransUnion credit reports with one swipe or click. For example, customers have the power to lock and unlock their credit reports if they wish to block or allow creditors access. The service can be accessed from any mobile device or computer and protects personal information from identity thieves.
Whenever someone tries to apply for credit, TransUnion TrueIdentity will send out an Instant Alert to notify the customer who is having their credit checked. Whether it be the customer themselves applying for credit or someone else, a fraud alert will go out. This Instant Alert system is designed to catch suspicious activity and fraud before any major damage occurs to the person’s credit score. If the customer is the one responsible for applying for credit, the alert may not be as necessary, but it can still provide the customer with a peace of mind as it will let them know that TrueIdentity is constantly monitoring their credit activity. These alerts can be useful in regard to future data breach occurrences and credit card fraud.
TransUnion provides dispute resolution services and a number of educational resources and tools to help identity theft victims restore sensitive personal information to pre-theft status. TrueIdentity offers customers an online identity theft help page to help them learn how to respond to various theft situations and prevent future cases of identity theft and identity fraud from taking place.
TransUnion TrueIdentity offers free identity theft protection services. It allows consumers to obtain an unlimited amount of credit report refreshes, fast alerts/notifications, and the power to lock and unlock their TransUnion credit report. TrueIdentity offers customers around-the-clock access to their TransUnion report, sends email notifications if there are any major credit report changes, and customers can access everything online or through the TransUnion TrueIdentity free app.
In 2015, government action was taken against TransUnion by Illinois Attorney General Lisa Madigan. As a result of this action, TransUnion agreed to provide better transparency and credit report accuracy.
Unlike many of its competitors, TransUnion does not appear to provide various services like antivirus software, financial bank account monitoring, driver's license protection services, or social security number monitoring. Customers should consider what they are looking for when it comes to identity theft protection and monitoring before creating an account with TransUnion TrueIdentity. Although it is a free service, customers may not be pleased with the lack of services offered in comparison to other identity theft protection services. TransUnion also does not monitor credit reports from the other credit bureaus.
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I would NOT, repeat, NOT recommend being sucked into TrueIdentity. It seems, from my experience, that all they really want is your very personal information and your money. When I went online today to try and cancel my "account", the site made that IMPOSSIBLE! Therefore, I had to contact TrueIdentity via phone (which is always a royal pain with holds and transfers). I spoke with "Mary Jo," who ended up transferring me to her supervisor, "Larry", neither of whom spoke fluent English. Larry did, however, verbally confirm to me that my account was canceled and that I would see a refund in about 10 days to my bank account. When I asked to receive an email to confirm his verbal statement about my account being canceled, he stated that he could NOT send any email to me to confirm this cancellation because there is "an issue with the system". As one reviewer stated below, I wish I could give TrueIdentify ZERO stars. PLEASE........DO NOT SIGN UP FOR THIS COMPANY IF YOU WANT TRUSTWORTHY, SKILLED CUSTOMER SERVICE.
Everything was fine until I had to change my e-mail address. I made this change online. Afterwards I could use the new e-mail address as a sign-on name to get to my account BUT the TrueIdentity Report still comes to the old email address. I have double checked that my profile still shows the new e-mail address. The TrueIdentity site shows no phone number or email to contact, so I called TransUnion. I talked with 2 different people there who could not help me, but gave me a number to call ( I repeated it back to make sure I had it right.) The number's automated routine doesn't work right and finally hangs up on me. I double checked the number -- it was dialed right. So here I am with an old email address that has become compromised and a Credit Check report still going to it.
Wish I could give no stars. A total scam. The one report i received was worthless - many inaccuracies. Having a tough time cancelling. Will dispute the charge with paypal.
Received letter from TransUnion stating my personal information was compromised. Free offer to join TrueIdentity. TransUnion recommended to a initial freeze that last 90 days. I tried, it took me to another page that required login. Didn't recognize my login or password or SSN#. Call customer service. Untrained employee said i need to call back tomorrow and speak with supervisor! Crazy unprofessional service
True identity makes it impossible to cancel. Dont sign up
My account was locked out apparently because I tried to enter it several times and it wouldn't accept my password. I called customer service to reset my password as they suggested. I reached someone who spoke broken English and had a hard time understanding him. Had to give him my personal information and after several minutes I was told the birth date I gave was incorrect. I was told I had to send in a copy of my drivers license and other information and then call another number to have the situation corrected. Had me jumping through a lot hoops many of which I couldn't understand because of the language barrier. Tried to cancel my account but couldn't find any way to do so. I ended up hanging up after many minutes.
It is impossible to cancel Transunion TrueIdentity . I was told you must go online to cancel, but you got me fooled. I found NO place to go online and cancel....Atty Gen needs to go after them in WA State
Attempting to freeze account they push you toward true identity. But web site won't complete authentication ("too busy") despite many multiple attempts over several days. Then they have audacity to email me saying I haven't completed enrolling. Very poor service.
DID NOT JOIN. The TrueIdentity website pages say "free" all over them. The 14 page (small print) Privacy /Services Agreement documents say you have to agree to receive targeted mailings. Good reminder that credit bureaus are in the business of selling information to others, and will find ways to do this even in a program that is supposed to give control over their info back to consumers. You also have to waive the right to participate in class action suits. Given what Equifax has just admitted to, why would anybody give up the right to a class action suit against any of the credit bureaus?
Immediately after signing up, tried to lock my credit report, and I got a message "Temporarily could not process my request. Try again later." So I tried later that day, the many times the next day. I call the customer service number and got such a garbled connection that I had to hang up. On subsequent calls. I was disconnected after entering all the robotic prompts. This happened every day for a week. Then I finally got a connection with a real person, who said he had to refer me to another department and then nothing. I still have not been able to lock my credit report, but I did see that they charged me for two copies of my credit report. Customer service is the worst.
Wanted to freeze my credit. When you go to the freeze site, they automatically put you in the $20/month program. and your credit is not frozen!
I think True identity is great at what they do, I had applied for a credit card and with in minutes of submitting my application I was alerted that someone was looking into my credit! I believe everyone should have this app.
There are two True Identity products provided by Transunion. The free service and the $9.95 per month (not $19.95 per month as stated in the review) service. This review is for the $9.95 per month service. I think it a great service that is well worth the nominal cost. The $9.95 per month service provides daily monitoring of all three credit bureaus (Equifax, Transunion and Experian), a Transunion credit report and Vantage score (which can be refreshed daily), address monitoring, the ability to lock your Transunion report, payday loan monitoring, address monitoring a million dollar insurance policy issued by AIG, identity restoration support, and dark web monitoring of your Social Security Number (SSN), passport, debit cards, credit cards, bank accounts, e-mail addresses, phone numbers and driver's license. The dark web monitoring also includes identifying registered sex offenders who reside in your area, which is information every parent should know. The service so far is top notch. Once I entered my data for the dark web monitoring I was immediately notified that two of my email addresses were exposed in the dark web, which immediately allowed me to change my e-mail passwords. The service also notified me of a change of my Equifax credit report within 24 hours after I closed one of my credit card accounts. Another thing I like is that unlike Lifelock there appears to be no maximum on the number of accounts you can register for the dark web monitoring. I was able to register 16 debit and credit cards, 5 e-mail address, 2 telephone numbers, 5 bank accounts, SSN, driver's license and passport. I will agree that Phil Bernard's comment about being unable to receive text alerts is true. I have not been able to set-up test alert notifications either. I have not tried to contact customer support to resolve this issue because I am receiving my alerts by e-mail, which is fine with me. Other than this minor issue I am very happy with the service.
I tried to register my cell phone for the text alerts on my account but was unable. After I entered my phone number it was supposed to send a security code to my phone - It Did Nothing. Absolutely no way to contact anyone from customer support on their website. I will not be doing any business with this company.
I'd been a TransUnion account holder for over 15 years and while they are pretty good at issuing monthly email alerts, that was about it. They are so disconnected however for the past 5 years they have had an incorrect home address listed while at the same time always having my correct billing address updates. How inefficient is that. Worst of all, their call center is in India and they expect you to give all your critical data over the phone to someone you can't even understand. Surely the Pritzker Family is no longer running this show. They have more sense than that/
AWFUL COMPANY! waste of time! not a free trial, had to call customer service within the first 15 minutes of opening the account for help, bounced me to 4 different agents all wanting my ssn# and personal info, then wanted me to write a letter, seriously?! unacceptable. after an hour on the phone, i say cancel my account and asked for a refund, he said no! I asked to talk to a supervisor, he said no! I was a customer for only 1 hr and had to threaten to contact an attorney to get my refund! UNACCEPTABLE! POOR SERVICE! NEVER USING THIS COMPANY AGAIN!
It is not made clear on their site that you are purchasing a credit report and THEN they start to automatically charge you monthly ($16.95) for the continued use of their site. When you call them, they say its in the fine print, and don't give any grace period or warning if you were like me and missed that portion of the fine print. When I checked my credit card statement, I found the charge within 24hrs of the charge and called them to find out why they were charging me. Even though it was within 24hrs, and their records showed I had only used their services one to check my credit score,they refused to cancel my account or give me a refund.It really surprised me when I learned that I was being charged again. I did not receive a receipt, but when I went onto their site (thinking oh, I thought that I was being charged for a one-time service, maybe I have it for a year at $16.95) I realized that I was being charged monthly.Customer service informed me that I was alone in my situation (implying that it was solely my mistake). Then, after requesting again that they cancel my account, they said they would AFTER the month was up. And then, the customer service representative (read salesman) began to go on without any pause or room for me to stop him for about minutes on why I should continue my service with them. I had to listen to him do his sales pitch while all I wanted to do was cancel the service. I do not trust this company now and I NEVER want to use their services and I would NEVER recommend it to another person. All they want to do it to take your money, and they don't care if they provide a fair service in the process. Please do not use this service. They do not care about you, only what money you can give them.