# TransUnion® — Your scores, reports & offers

> Free credit scores, reports, monitoring, and personalized offers from TransUnion. (iPhone/iPad app by TransUnion.)

- Source: https://appshunter.io/ios/app/transunion/id649008868 (this page in markdown: same URL + `.md`)
- Developer: [TransUnion](https://appshunter.io/developer/649009051)
- Category: Finance, Business
- Price: Free
- Rating: 4.60/5 from 38,728 App Store ratings · 432 written reviews indexed
- Age rating: 4+
- Requires: iOS 17.0 · 152 MB
- Languages: American English
- Released: 2013-07-02
- Data updated: 2026-08-27
- Monetization: freemium
- User reviews in markdown: https://appshunter.io/ios/app/transunion/id649008868/reviews.md

## What is TransUnion®?

With the official TransUnion app, you get free credit scores, free credit reports, free credit monitoring & free access to offers from Bankrate. There’s no credit card required!
Your credit score is calculated based on the VantageScore® 3.0 model. Lenders and insurers may use different scores to evaluate your eligibility.
Simply create your free account (no credit card required) and start using our app (won’t hurt your score) to:

Plan Your Credit Future
Know what’s affecting your score, what to work on, and where your score could go.
Stay on Top of Changes
Know where your TransUnion report & score stand with refreshes available daily. Get an alert whenever there’s a critical credit report or score change.
Save Time with Offers from Bankrate*
 Explore credit offers powered by Bankrate*, all in one place. 

Join us now to get your free credit scores, free credit reports, free credit monitoring & offers!

Upgrade your membership to add premium features like quarterly 3-bureau reports and identity monitoring.
***AGE DISCLAIMER: You must be at least 18 years of age to access or download this app. If you are under 18 years of age, you are prohibited from accessing or downloading this app. Read more in our Terms of Service here: https://www.transunion.com/legal/credit-membership-terms.***
*Advertiser Disclosure: Offers are provided by TransUnion’s Offers Provider, Bankrate. Bankrate provides advertising revenue to TransUnion Interactive, Inc. when consumers interact with the offers, such as by clicking on an offer, when the application is approved or opening an account. This revenue impacts how and where offers appear (including, the order in which they appear), except where prohibited by law for offers related to mortgage, home equity and other home lending products.
Offers do not represent all available financial services, companies or products. Availability may vary by state. Please review the offer details and verify all terms and conditions before applying. TransUnion does not endorse or recommend any lender or provider.

ABOUT TRANSUNION
TransUnion is a global information and insights company with over 13,000 associates operating in more than 30 countries. We make trust possible by ensuring each person is reliably represented in the marketplace. We do this with a Tru™ picture of each person: an actionable view of consumers, stewarded with care. Through our acquisitions and technology investments we have developed innovative solutions that extend beyond our strong foundation in core credit into areas such as marketing, fraud, risk and advanced analytics. As a result, consumers and businesses can transact with confidence and achieve great things. We call this Information for Good® — and it leads to economic opportunity, great experiences and personal empowerment for millions of people around the world. http://www.transunion.com/business
Personal information we collect -- https://www.transunion.com/privacy/consumer-interactive#2
Do not sell or share my personal information -- https://www.transunion.com/optout
Limit the use of my sensitive personal information -- https://www.transunion.com/optout

## Key features

- Free credit scores
- Free credit reports
- Free credit monitoring
- Personalized credit offers
- Daily report and score refreshes
- Critical credit change alerts

## Chart rankings

- #101 in Top Free · Finance (US App Store)

## What do users think of TransUnion®?

Overall sentiment: negative

**Pros**

- 🚀 Lightning-fast load times
- 🔒 Robust security features
- 👍 Useful credit monitoring

**Cons**

- 🐛 Frequent login issues
- 💰 Expensive subscription
- 🔍 Inaccurate credit information
- 📞 Poor customer support
- 🔑 Password management problems

**Commonly reported bugs**

- App crashes when trying to access certain features
- Inconsistent behavior between website and app
- Inability to delete duplicate entries

**Most requested features**

- Ability to dispute errors directly in the app
- Detailed credit score breakdown
- Seamless integration across devices

## Recent user reviews (10 of 432)

All indexed reviews: https://appshunter.io/ios/app/transunion/id649008868/reviews.md

### 1/5 — Broken app

*2026-08-22, version 5.8.0*

Useless download, stick to the web version.

### 1/5 — Don’t bother

*2026-08-21, version 5.8.0*

The app is for PAID MEMBERS ONLY. You have to use their website to get anything but even then you can’t get it on just the one website, you have to go to multiple different websites & nowhere does it tell you this. The app doesn’t either. Neither of them is user friendly so good luck trying to figure this all out! 😡

### 1/5 — Very slow

*2026-08-19, version 5.8.0*

I see a lot of reviews about not being able to login. I can login perfectly but your service is completely way to slow on updating accounts. In some states they primarily use transunion which I can not stand. When I pay off balances to make my account current I shouldn't have to wait weeks after Experian and my fico report my account on the exact day my institution sends my account info. Just way way to slow and hurts my chances when certain banks just use your service.

### 1/5 — What a joke

*2026-08-18, version 5.8.0*

You can only access the app if you sign up for the paid service.   However everywhere TransUnion advertises "Free" credit report and credit freeze.   You can access that off a desktop but not the app.   And you have no idea of knowing that unless you spend an hour on the phone for someone to give you that information that you can't use the app.  I'd have had no problem with that had that been clear.   It's however pretty opaque to figure that out.

### 2/5 — Can’t login!

*2026-08-18, version 5.8.0*

Can’t login to the app. On web browser only PC it logs in just fine. I use a password manager so I know my passwords are correct. This app is just not working properly.

### 1/5 — Cant Log in ! Broken app!

*2026-08-15, version 5.8.0*

When you try to login and put your password it sends you to a screen to get a code to confirm your account through text or email the problem is you can never receive the code because the app just boots you back to the login page and you get and error saying  “ The session id was not found in the request “

### 1/5 — Useless. Won’t let me sign in

*2026-08-13, version 5.8.0*

I try to sign in and it gives me an error. I know my log info is correct because I can sign into the website.

### 1/5 — CANNOT LOG IN

*2026-08-12, version 5.8.0*

I've had to change my passwords several times . Whole time it was this app!

### 1/5 — Requires paid premium account

*2026-08-11, version 5.8.0*

App requires a paid account. Confirmed this with agent.

Official website states that app access is included with free account.

Conflicting information. Not reassuring.

### 1/5 — App locks all the time

*2026-08-10, version 5.8.0*

Be prepared to constantly being on the phone or chat with tech help because the app will just not let you in. It’s insane.

## Frequently asked questions about TransUnion®

### What does the TransUnion app do?

The official TransUnion app provides free access to your credit scores and credit reports. It also offers free credit monitoring services, alerting you to critical changes. Additionally, you can receive personalized credit offers based on your TransUnion credit profile.

### How do I get my free credit score and report?

You can get your free credit score and report by creating a free account within the TransUnion app. No credit card is required to sign up. Once your account is set up, you can start accessing your credit information immediately.

### Is there a cost to use the TransUnion app?

The core features of the TransUnion app, including free credit scores, free credit reports, and free credit monitoring, are available at no cost. There is an option to upgrade to a membership for premium features like quarterly 3-bureau reports and enhanced identity monitoring.

### What is VantageScore 3.0?

The credit score calculated within the app is based on the VantageScore 3.0 model. It's important to note that lenders and insurers may use different scoring models when evaluating your eligibility for credit products.

### Who is this app for?

This app is designed for individuals who want to actively manage their credit health. It's ideal for those who wish to track their credit score, understand factors influencing it, stay informed about report changes, and explore credit offers they are likely to qualify for.

## Version history (last 5 releases)

### 5.8.0 — 2026-08-06

Feature enhancements and minor bug fixes.

### 5.7.4 — 2026-07-08

Minor enhancements and bug fixes.

### 5.7.3 — 2026-06-24

Minor enhancements and bug fixes.

### 5.7.2 — 2026-06-16

Minor enhancements and bug fixes.

### 5.7.1 — 2026-04-30

Minor enhancements and bug fixes.

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## More apps by TransUnion

- [Legacy TransUnion® App](https://appshunter.io/ios/app/legacy-transunion-app/id6740769500)

All apps by TransUnion: https://appshunter.io/developer/649009051

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*Data collected daily from the US App Store and indexed by [AppsHunter](https://appshunter.io/). User reviews are verbatim App Store reviews. Ratings, prices and chart positions refresh continuously; this snapshot is from 2026-08-27.*