Comparison

TransUnion® vs IdentityIQ

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

IdentityIQ

This service offers top-rated identity theft protection and credit report monitoring. It utilizes innovative and enhanced monitoring techniques to help keep you protected and provide peace of mind.

Highlights
  • Identity theft protection
  • Credit report monitoring
  • Enhanced monitoring techniques
  • Peace of mind
  • Top-rated service
Read full description

Get the top-rated service for identity theft protection and credit report monitoring. With innovative and enhanced monitoring techniques to help keep you protected, you get peace of mind.

Screenshots

TransUnion®4 screens
IdentityIQ4 screens

Verdict

The call

The clearest difference is ads: TransUnion® at none against IdentityIQ's shown. TransUnion® also leads on chart position (#90 vs unranked) and ratings volume (39K vs 5.1K). IdentityIQ's advantage is review sentiment (34% vs 7%) and rating (4.9 vs 4.6). On price, in-app purchases and device support 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

IdentityIQ holds the better App Store score, 4.9 against 4.6. That said, the two scores are not equally well evidenced: TransUnion® has 39K ratings behind it against 5.1K, 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 34% of IdentityIQ's.

UpkeepUpdate frequency

TransUnion® ships an update monthly, IdentityIQ fortnightly. The most recent releases landed on September 25, 2026 and September 23, 2026 respectively.

Scorecard8 real differences · 3 level
TransUnion® versus IdentityIQ: the parameters behind the verdict, then further details
ParameterTransUnion®IdentityIQ
PriceFreeFree
Rating4.6 (39K ratings)4.9 (5.1K ratings) — better
Positive reviews7.0% of reviews33.8% of reviews — better
Number of ratings39K — better5.1K
Update frequencyMonthlyFortnightly — better
AdsNo — betterYes
In-app purchasesNoNo
MonetizationFreemiumAd-supported — better
Best chart rank#90 — better—
DevicesiPhoneiPhone, iPod — better
Requires iOS17.015.1 — better
Further details — not scored
Size152 MB44 MB
Age rating4+4+
DeveloperTransUnionIdentity Intelligence Group, LLC

Customer experience

TransUnion®

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

IdentityIQ

All ratings3,169 ratings
Positive98.7%
Neutral0.5%
Negative0.8%
Written reviews65 reviews
Positive33.8%
Neutral4.6%
Negative61.5%

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

IdentityIQ

From 5.1K App Store ratings

What we love

  • 👍 Easy to use
  • 🚀 Fast and responsive
  • 🔒 Helpful for monitoring credit and identity
  • 💡 Useful credit score and utilization tracking features
  • 🚀 Provides fast alerts for credit changes

Room to improve

  • 🐛 App crashes and login issues
  • 🔒 Difficult to cancel subscription
  • 🐛 Reports not up to date
  • 💰 Expensive subscription fees
  • 🐛 App and website performance 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

IdentityIQ

Reported bugs

3 issues
  • Facial recognition/biometrics not working
  • Unable to upgrade plan through the app
  • App not loading or functioning properly

Requested features

3 requests
  • Add option to lock/unlock social security number
  • Improve subscription management and cancellation process
  • Provide more frequent credit report and score updates

In-app purchases

None

TransUnion®

No in-app purchases

None

IdentityIQ

No in-app purchases

Questions

Is TransUnion® free?
TransUnion® is free to download, with no in-app purchases.
Is IdentityIQ free?
IdentityIQ is free to download, with no in-app purchases.
Which has better reviews, TransUnion® or IdentityIQ?
IdentityIQ is rated higher. TransUnion® averages 4.6 out of 5 from 39K ratings, while IdentityIQ averages 4.9 from 5.1K ratings.
Do TransUnion® or IdentityIQ have ads?
IdentityIQ shows ads; TransUnion® does not.
Which is updated more often, TransUnion® or IdentityIQ?
TransUnion® ships an update monthly, and IdentityIQ fortnightly. Most recently, TransUnion® was updated on September 25, 2026 and IdentityIQ on September 23, 2026.

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