# TransUnion® vs Experian®

The clearest difference is review sentiment: Experian® at 61% against TransUnion®'s 7%. Experian® also leads on ratings volume (2.7M vs 39K) and update cadence (weekly vs monthly). TransUnion®'s advantage is in-app purchases (none vs 6). On price, ads, monetization model and device support there is nothing between them.

Both are free to download. Experian® sells 6 in-app purchases, starting at $4.99 per month. TransUnion® asks for nothing beyond the download.

Experian® holds the better App Store score, 4.8 against 4.6. That said, the two scores are not equally well evidenced: Experian® has 2.7M ratings behind it against 39K, so its average is the more settled of the two. Written reviews point the same way: 7% of TransUnion®'s written reviews are positive against 61% of Experian®'s.

TransUnion® ships an update monthly, Experian® weekly. Both last shipped on September 24, 2026.

## The numbers

| Metric | TransUnion® | Experian® |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [4.6 (39K ratings)](https://appshunter.io/ios/app/transunion/id649008868/reviews) | **[4.8 (2.7M ratings)](https://appshunter.io/ios/app/experian/id1087101090/reviews)** |
| Number of ratings | 39K | **2.7M** |
| Positive reviews | 7.0% of reviews | **61.2% of reviews** |
| In-app purchases | **No** | Yes |
| Ads | No | No |
| Update frequency | Monthly | **Weekly** |
| Monetization | Freemium | Free with in-app purchases |
| Best chart rank | #97 | **#26** |
| Size | 152 MB | 234 MB |
| Requires iOS | 17.0 | 17.0 |
| Devices | iPhone | **iPhone, iPad** |
| Age rating | 4+ | 4+ |
| Developer | [TransUnion](https://appshunter.io/developer/649009051) | [Experian](https://appshunter.io/developer/1087101089) |

## What reviewers say

### TransUnion®

[App page](https://appshunter.io/ios/app/transunion/id649008868)

**Currently charting:** #97 Top Free · Finance (US App Store)

Access your free credit scores and reports, monitor your credit for changes, and receive personalized offers based on your credit profile. Understand your credit health and plan for your financial future with daily refreshes and alerts.

**Highlights:** Free credit scores, Free credit reports, Free credit monitoring, Personalized credit offers, Daily report and score refreshes, Critical credit change alerts

**Features:** Vision Pro support

**In-app purchases:** none

**What reviewers like**

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

**What reviewers complain about**

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

**Reported bugs**

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

**Requested features**

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


### Experian®

[App page](https://appshunter.io/ios/app/experian/id1087101090)

**Currently charting:** #26 Top Free · Finance, #41 Top Grossing · Finance (US App Store)

Access your credit report and FICO Score for free, and potentially improve your score by using bills you already pay. Get alerts for credit changes and compare financial products. A paid membership offers bill negotiation and subscription cancellation services.

**Highlights:** Free credit report and FICO Score, Experian Boost to raise FICO Score, Credit monitoring and alerts, Marketplace for financial products, Bill negotiation and subscription cancellation, Experian CreditLock for identity theft protection

**Features:** Apple Wallet

**In-app purchases (6)**

| Purchase | Price | Billing |
| --- | --- | --- |
| Experian CreditWorks℠ with Trial | $4.99 | per month |
| Experian CreditWorks℠ | $4.99 | per month |
| Experian CreditWorks℠ with Trial | $9.99 | per month |
| Experian CreditWorks℠ | $9.99 | per month |
| Experian CreditWorks℠ with Trial | $19.99 | per month |
| Experian CreditWorks℠ | $19.99 | per month |

**What reviewers like**

- 🚀 Accurate credit score monitoring
- 👍 Helpful credit improvement tips
- 🔒 Secure credit report access
- 💡 Useful Experian Boost feature
- 🚀 Convenient credit tracking

**What reviewers complain about**

- 🐛 Inaccurate credit score reporting
- 🔒 Poor customer service and support
- 💰 Overpriced premium subscription
- 🐛 Buggy app performance
- 🔒 Difficult to cancel subscription

**Reported bugs**

- Repeated disconnection of bank accounts
- Inability to view current credit report
- Inconsistent credit score updates

**Requested features**

- More frequent credit report updates
- Integration with other credit bureaus
- Improved dispute resolution process
- Customizable credit monitoring alerts


## Frequently asked questions

### Is TransUnion® free?

TransUnion® is free to download, with no in-app purchases.

### Is Experian® free?

Experian® is free to download, with in-app purchases available.

### Which has better reviews, TransUnion® or Experian®?

Experian® is rated higher. TransUnion® averages 4.6 out of 5 from 39K ratings, while Experian® averages 4.8 from 2.7M ratings.

### Do TransUnion® or Experian® have ads?

Neither TransUnion® nor Experian® shows ads.

### Which is updated more often, TransUnion® or Experian®?

TransUnion® ships an update monthly, and Experian® weekly. Most recently, TransUnion® was updated on September 24, 2026 and Experian® on September 24, 2026.

### Which is more popular, TransUnion® or Experian®?

TransUnion® currently peaks at #97 in the App Store charts, and Experian® at #26. Chart position reflects recent download velocity rather than total install base.

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*Compared by [AppsHunter](https://appshunter.io/) from daily US App Store data. Review summaries are generated from verbatim App Store reviews.*