TransUnion Credit Score: How to get your TransUnion Credit Score

TransUnion Credit Score is one of the many scoring models used by businesses in lending money to customers. The TransUnion credit score is used to evaluate a persons creditworthiness. Your credit score is an indicator of your creditworthiness. The Transunion Credit Score is solely based on an TransUnion Credit Score model and it differs in some ways from other scoring models such as Transunion, Experian or FICO scoring model. Although each of these companies use most of the same evaluating parameters such as persons length of credit history, type of credit, revolving account, payment history, etc.

The above stated factors are available in your credit report, lenders and creditors use credit report information to calculate your credit score to get an insight to your creditworthiness. The score evaluation tells them how risky you pose to them , if they do decide to give you credit. The higher credit score you have, the chances of getting good credit at lower interest rate are high. With higher credit score you pose low risk to lenders. Let's first understand what is a Credit Score. 

What is a TransUnion Credit Score

Now we know why credit score is important and for what purpose it is used by lenders and businesses. The next thing to know is what is the scoring range and at each level of scoring range what it means to a consumer. The credit score range is from 300 to 850 (no-credit to excellent credit).

The TransUnion Credit Score is based on a proprietary TransUnion Credit Scoring model and is not the same as scoring model used by other credit bureaus.

This three digit credit number has become an important tool for lenders for credit analysis and for consumers it holds a personal report card. Even though each of three credit company use FICO mathematical scoring model and yet there scores differ from each other. This is due to additional checks and balances are applied to scoring model. You will always see some difference in few points between credit score from three  credit bureaus.

How is TransUnion Credit Score Calculated

The TransUnion credit score is calculated based on many factors that provide information on a consumer file. The factors which are used for mathematical calculations are length of credit history, type of credit accounts, Balance on accounts, available credit, payment history, any negative comments on consumer file and how many inquires are there on consumer file. Each of these factors is assigned a numerical value, and then weighted based on how prominently they affect your credit worthiness. More details information on credit score calculation is given below in Credit score table.

How am I responsible for my Credit Score

The credit score you are awarded by credit bureaus is based on your credit actions. How you take credit, how you pay and how you manage your credit. Any of these actions on negative or positive side impact your score and bring your score up or down. You can improve credit score at every level even when you are in good, bad or excellent credit score range. Of course building credit score at low score is multi-step process and time consuming but eventually with meticulous planning you will be able to fix your credit score. Read more on 'How to get your TransUnion Credit Score' and what factors impact your credit score calculation.

Important Credit Score Questions

Credit Score Questions	Credit Score Answers
What is a Credit Score	A numerical three digit number derived from Credit scoring model based on various factors by using credit report of a consumer.
What is a Credit Score Range	The credit score range of a Credit score is between 300 points to 850 points.
Excellent Credit Score	Credit Score from 720 to 850 - This is the range where everyone's credit score should be to avail low interest loans, good mortgage loan, premium credit cards etc.
Good Credit Score	Credit Sore from 679 to 719 - Although it keeps you out from premium deals but still good to attract lenders for good credit card offers and mortgage loans on reasonable loan rates.
Average Credit Score	Credit Score from 620 to 679 -  It gets harder when you are financing from private lenders, still you may get few deals in this range. Although creditors have designed lending programs for each of the score range and they differ on terms and conditions and the interest they carry.
Bad Credit Score	Credit Score from  up to 579 - If your credit score is below 579, that is not a good news. The financing options become narrow and the ones, which are available come with very high interest rates and penalties. This is the time to religiously look for credit repair help and rebuild your credit score.
No Credit Score	Your consumer file is not opened at credit bureaus. Mostly in the case of children and students.
TransUnion Credit Bureau	Trans Union - Consumer Disclosure Center Address: P.O. Box 1000 City: Chester, PA 19022 Trans Union Web Address Contact Number: (800) 916-8800 or (800) 888-4213
FICO	The Fair Issac company introduced FICO score in the year 1989. FICO score is used by banks, lenders and business for granting loans and credit to consumers.
Structure of FICO Score	Payment History: 35% : This is the major factor, which impacts your credit score. The Payment history covers information related to many factors Good Factors Payment history without any interruption Payments on multiple account Payment types Bad Factors Late payments Defaults Judgments Settlements Liens Bankruptcies Debt on accounts: 30% : This is about how much and what types of debt balance you carry. The type of debt, balance limits, mode of payments and the amount being paid one ach of these account. Length of Credit history: 15% :This is about how long is your credit history, the scoring model also looks at the accounts you have and how old they are. Inquires: 10% This is about the credit request you make with lenders and the decisions you get from lenders. The request you make at lenders for credit and in turn they make inquiry on your credit history or to check your credit score at credit bureaus is considered as hard inquiry and impacts your credit score.
Credit Scoring Factors	Type of credit accounts you have Number of accounts you have Available credit Balance on your credit accounts Length of your credit history length of payment history Note: Each of these factors carry a numerical number based on scoring evaluation and is used and weighted on credit risk index to evaluate consumers creditworthiness.

How can I check my TransUnion Credit Score

The checking your credit score on Transunion credit website is easy. You can check individual Transunion credit score or 3-in-1 credit score bundled in one package. The TransUnion free credit score and report is only for $1, when you sign up for monthly subscription. The trial period is for seven days and thereafter $17.99 is monthly fee for accessing your credit score and TransUnion credit report. The online access to TransUnion also comes with other features such as fraud alert, identity theft protection, credit report monitoring etc.

Please note the price and the product structure explained in this post may change in future, for more latest pricing, products and  how to get your TransUnion Credit Score, please visit official TransUnion website.

How to get a TransUnion Credit Report and Credit Score 

The TransUnion credit agency is one of three credit reporting agencies providing credit reports to consumers and selling credit information/credit services to lenders. By Federal law each credit agency is mandated to provide free credit report to consumers once a year. Based on federal law , the three credit bureaus (Transunion, Experian and Equifax) created one company Annual Credit Report to provide free credit reports to consumers.


In case your goal is to get free credit report and you haven't used free credit report option from AnnualCreditReport.com website, please visit Annual Credit Report.

TransUnion Credit Report Services and Products

The TransUnion company is helping millions of customers with credit report, monitoring and identity theft services. Each service and product comes with different price model. Here is the brief note on each of these services.

• TransUnion Credit Report & Score:- service comes with credit report and credit score. The current deal is that you get free TransUnion Credit Score & $1 Credit Report are available as part of a 7-day trial subscription-based credit monitoring service. Customers have choice to cancel at any time during the trial period. At the end of 7-day trial, consumer will be billed at $17.95 per month. The catch is if you don't cancel your account within trial period you will end up paying $17.99 per month.
  Under this plan customers get unlimited updates to credit report and score. Instant email alerts and fraud alerts, identity theft protection and identity theft insurance up to $1,000,000.


• True Identity Protection:- Unfortunately there too many Internet hackers out there preying on innocent people to steal their identity and use it for various means. There are many gray market where such information is soled. Transunion provides TrueIDentity service to conduct internet watch to ensure person's identity is safe , no body is opening new accounts using person's SSN, loss wallet prevention, insurance on identity theft and many m ore benefits. The cost is $1 for first seven days as trial period  and thereafter $9.99 per month.


• Service provided are
• Monitor & Protect Personal Information, Credit Cards and Bank Accounts
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• 3-Bureau Credit Report Monitoring
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• Alerts of TU Credit Inquiries
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• Lock and Unlock Your TU Credit Report
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• Monitor Court Records & Payday Loans Matching Your Identity
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• Get alerts any time your postal address changes
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• Identify & Monitor Sex Offenders in Your Area
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• Identity Restoration Specialists
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• Lost Wallet Restoration
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• Your TransUnion Credit Score & Report
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• $1 Million ID Theft Insurance (Certain restriction apply)
• For more information and details on each of these TransUunion product and way to get  TransUnion Credit Report and Credit Score, Visit TransUnion.

How to cancel TransUnion credit report

Sounds like cancelling TransUnion services or membership is a multistep process. There is no easy option to cancel the account. You have to login to your account, click to "Help" tab on top of the page on right side. This will present the next page. On next page click on FAQ tab and select payment option. This will take you to a page with many links to helpful topics. One of them is "how can I cancel my account". Click on this link, will take you directly to cancelation page.

The information you get is 800 number to call and cancel your account, the good thing is TransUnion also provides a link to terminate the account electronically.

Cancellation process for Experian membership and services

• Login to your account
• Click on Help tab - placed at right corner
• Click on FAQ tab.
• Select Payment option
• Click on 'how can I cancel account" link
• You have two options, either calling 800 number to cancel account, or cancel electronically by clicking one more link cancel now.

PLEASE note time to time webpage content and phone number changes.




Visit TransUnion and read more on cancelling Transunion services or membership account.