TransUnion® vs LTR Plans

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

Your budget is incomplete. You've probably got the basics covered — monthly expenses and savings for standard long-term needs (retirement, maybe college). If you're really on the ball you've factored quarterly and annual expenses into your savings plan. But have you factored in those expenses that are not going to happen until next year, or the year after, or in seven years? Do you even know what those expenses are and how much you'll need? Every person, especially home-owners, has assets that will eventually need replacing — cars, laptops, phones, roofs, HVAC systems, appliances, water heaters, and more. Does your current budget factor in all these things? Everyone needs a Long Term Replacement (LaTeR) Plan. With a good plan, you can add ONE more line item to your monthly budget to fund all those expenses that are coming your way. Finish your budget! How it works: Create a plan, and enter how much you've already set aside (or can set aside) in savings for your LTR Fund. Record your assets with their expected lifespans and replacement costs. LTR Plans automatically schedules future replacements, adjusts for inflation, and calculates the exact monthly contribution needed to keep your replacement fund healthy — for decades. Key Features: • Add assets to your plan from a list of common choices, or entirely customized • Month-by-month fund projections with interest, contributions, and expenses • Required contribution calculator — know the minimum you need to save • Designate a future replacement as being funded elsewhere to remove it from future calculations • Self-sustaining balance analysis — how much is needed to fully fund the plan without further contributions • Category-specific inflation rates for accurate long-term projections • Multiple plans for different properties or scenarios • Full backup & restore • Multi-platform: iPhone, iPad, or Mac • iCloud sync