Comparison

TransUnion® vs IdentityForce

Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.

Head to head
About

TransUnion®

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
Currently charting
Read full description

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

About

IdentityForce

This app provides active members with anywhere access to identity theft protection. It offers advanced fraud monitoring, credit report tracking, and identity restoration services, all secured with two-factor authentication and Touch ID. Stay protected from fraud on the go with timely alerts and secure access.

Highlights
  • Advanced Fraud Monitoring
  • 3-Bureau Credit Report Monitoring
  • Identity Restoration Experts
  • Interactive Identity Alerts
  • Encrypted Anywhere-Access
  • Two Factor Authentication (2FA)
  • Device Scanning with VPN
Features
Read full description

The IdentityForce Mobile App, brought to you by IdentityForce, Inc., enables active members to take their Identity Theft Protection anywhere – world-class capabilities empowering you to spot fraud quickly with a snapshot view of all critical alert notifications. Depending on the IdentityForce Plan selected, members get access to Advanced Fraud Monitoring, 3-Bureau Credit Report Monitoring, and identity restoration experts. Designed and influenced by our members through surveys and a preview community, IdentityForce has built and released a mobile app that features intuitive navigation with a zero-tolerance policy for advertising or promotional materials. IdentityForce’s top priority is security, and the mobile app features both Two Factor Authentication (2FA) and Touch ID. So no matter whether you are traveling overseas, away on vacation, or you just don’t want to be tethered to your desktop computer, IdentityForce Mobile makes sure you are protected anywhere, anytime. For nearly 40 years, IdentityForce, Inc. has provided best-in-class, highly scalable, award-winning identity theft, privacy, and credit protection solutions to consumers, businesses, and government agencies. A pioneer of identity protection, IdentityForce’s innovation and customer-centric approach has made the company a trusted partner for both organizations and individuals. Take your fraud protection to the next level with… • Convenient and confidence-boosting security • Encrypted anywhere-access • Interactive identity alerts • Secure storage edits & uploads • Timely fraud news & tips • Comprehensive device scanning including an encrypted virtual private network (VPN) To download the IdentityForce Mobile App, you need to be an active IdentityForce Member. 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 below.  Learn more about IdentityForce at https://www.identityforce.com. Terms of Use: https://www.sontiq.com/terms-of-use/ Privacy Policy: https://www.sontiq.com/privacy-policy/ For technical support or questions, contact us at 1-888-439-7443.

Screenshots

TransUnion®4 screens
IdentityForce4 screens

Verdict

The call

The clearest difference is rating: TransUnion® at 4.6 against IdentityForce's 3.0. TransUnion® also leads on ratings volume (39K vs 492) and chart position (#90 vs unranked). IdentityForce's advantage is monetization model (free vs freemium) and device support (3 vs 1). On price, review sentiment, update cadence and ads there is nothing between them.

Scored on Price · Rating · Positive reviews · Number of ratings · Update frequency · Ads · In-app purchases · Monetization · Best chart rank · Devices · Requires iOS

CostPrice · In-app purchases · Ads · Monetization

Both are free to download. Neither carries in-app purchases, so what you see is what you pay.

ReceptionRating · Positive reviews · Number of ratings

TransUnion® holds the better App Store score, 4.6 against 3.0. That said, the two scores are not equally well evidenced: TransUnion® has 39K ratings behind it against 492, so its average is the more settled of the two. Written reviews complicate that: 7% of TransUnion®'s written reviews are positive against 13% of IdentityForce's, so the app with the better star average is not the one people write more warmly about.

UpkeepUpdate frequency

TransUnion® ships an update monthly, IdentityForce every 2 months. The most recent releases landed on September 24, 2026 and September 18, 2026 respectively.

Scorecard6 real differences · 5 level
TransUnion® versus IdentityForce: the parameters behind the verdict, then further details
ParameterTransUnion®IdentityForce
PriceFreeFree
Rating4.6 (39K ratings) — better3.0 (492 ratings)
Positive reviews7.0% of reviews13.1% of reviews — better
Number of ratings39K — better492
Update frequencyMonthly — betterEvery 2 months
AdsNoNo
In-app purchasesNoNo
MonetizationFreemiumFree — better
Best chart rank#90 — better—
DevicesiPhoneiPhone, iPad, iPod — better
Requires iOS17.012.4 — better
Further details — not scored
Size152 MB40 MB
Age rating4+4+
DeveloperTransUnionIdentityForce, Inc

Customer experience

TransUnion®

All ratings38,762 ratings
Positive89.3%
Neutral2.6%
Negative8.1%
Written reviews456 reviews
Positive7.0%
Neutral2.0%
Negative91.0%

IdentityForce

All ratings492 ratings
Positive43.3%
Neutral10.2%
Negative46.5%
Written reviews107 reviews
Positive13.1%
Neutral10.3%
Negative76.6%

User reviews

TransUnion®

From 39K App Store ratings

What we love

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

Room to improve

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

IdentityForce

From 492 App Store ratings

What we love

  • 🚀 Fast alerts
  • 🔒 Comprehensive identity protection
  • 👍 Easy to use

Room to improve

  • 🐛 Buggy app with frequent crashes
  • 🔍 Limited app functionality compared to website
  • 🤔 Delayed credit score updates
  • 🤯 Frustrating login/authentication issues

Bugs and requests

TransUnion®

Reported bugs

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

Requested features

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

IdentityForce

Reported bugs

4 issues
  • App stuck in perpetual login loop
  • Face ID/Touch ID not working
  • Alerts not displaying properly
  • Blank screens and server errors

Requested features

4 requests
  • Improve app stability and responsiveness
  • Expand app features to match website
  • Streamline login and authentication process
  • Provide faster credit score updates

In-app purchases

None

TransUnion®

No in-app purchases

None

IdentityForce

No in-app purchases

Questions

Is TransUnion® free?
TransUnion® is free to download, with no in-app purchases.
Is IdentityForce free?
IdentityForce is free to download, with no in-app purchases.
Which has better reviews, TransUnion® or IdentityForce?
TransUnion® is rated higher. TransUnion® averages 4.6 out of 5 from 39K ratings, while IdentityForce averages 3.0 from 492 ratings.
Do TransUnion® or IdentityForce have ads?
Neither TransUnion® nor IdentityForce shows ads.
Which is updated more often, TransUnion® or IdentityForce?
TransUnion® ships an update monthly, and IdentityForce every 2 months. Most recently, TransUnion® was updated on September 24, 2026 and IdentityForce on September 18, 2026.

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