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TransUnion TrueIdentity

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LAST UPDATED: May 27th, 2023

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.

Top Ranked Companies


The Good

  • Credit Lock Service
  • Instant Alerts 
  • Identity Theft Resolution
  • Free TrueIdentity Protection 

Credit Lock Service

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.

Instant Alerts

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.

Identity Theft Resolution

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.  

Free TrueIdentity Protection

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.


The Bad

  • Government Action
  • Service Limitations

Government Action

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.

Service Limitations

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. 


The Bottom Line

TransUnion is one of the three major credit bureaus that offer identity protection and credit monitoring services to individuals.

The company offers free identity theft protection which is a great deal considering the fact that most companies in the identity theft industry do not provide free services.

TransUnion also provides customers with credit lock services, fraud alerts designed to catch suspicious activity, and identity theft resolution services.

However, TransUnion does not seem to offer a variety of services like financial account monitoring or antivirus software.   

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Rick Riverside, CA

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.

6 years ago

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Eddie Rios Ogden, UT

TransUnion TrueIdentity offers tools that help avoid risk at the source. While other services are add-ons and are peripheral to the credit agencies, This is more helpful as it is imbedded at the source where identity theft can be an issue. Tools are active, and coverage is comprehensive. I feel as safe as is possible with their protection on going.

3 years ago


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Steven Whites Salt Lake City, UT

They gave me updates by email every so often to let me know if my credit report had been ran to see if anyone out there was trying to fraud me. Luckily it always came back saying no. So I felt comfortable enough after a year with this company to just take matters into my own banks hands. When you contact one of the main credit companies to freeze your account, they advise you that they will contact the other banks to freeze those credit lines as well. Which was very nice to know that they take it serious and help you out with freezing the other credit lines.

1 year ago Edited March 14, 2022


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Gaju Shrestha Herriman, UT

TransUnion TrueIdentity's credit monitoring and identity theft protection services have been very reliable. I like the credit lock features so that I can lock or unlock as I need. I also get a monthly email giving a report if anything has been changed in my credit report.

1 year ago


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Kaitlyn Rios Ogden, UT

TransUnion TrueIdentity offers great tools in preventing identity theft. They offer constant monitoring and alerts when transactions involve your personal information. Great peace of mind for a good price.

3 years ago


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Benita Avant-Carter Miami, FL

Nothing gets by them, they truly monitor and notify you extremely fast. Whether is a credit inquiry or suspicious activity, new accounts in your name. They are on the case

1 year ago


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Erinmarie Xian Seffner, FL

I only had them for a short time but i found them sufficient to protect my info and send me alerts via email when something was amiss.

1 year ago


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Wendy and David Campbell Gilbert, AZ

TransUnion TrueIdentity keeps me safe. I am really happy with them.

1 year ago