TransUnion Credit Premium is a web subscription for monitoring credit across TransUnion, Equifax and Experian, with identity-protection features. Members receive reports and scores from all three bureaus quarterly, plus daily monitoring and alerts for critical changes. Identity monitoring checks personal information members opt in to monitor against dark-web sites, criminal record databases and other sources, then sends alerts when it finds matches. A dedicated specialist helps with identity theft and fraud resolution, and eligible identity-theft expenses may be reimbursed up to $1,000,000, subject to policy terms, limits and exclusions; coverage varies in New York. Specialists are available Monday through Friday, 8am to 8pm Eastern time, and support closes on major U.S. holidays. Credit Premium costs $29.95 per month plus tax where applicable and can be canceled anytime. Credit Essentials is free, focuses on the TransUnion credit profile and requires no credit card. The displayed score uses TransUnion's VantageScore 3.0 model, which lenders or insurers may not use to determine eligibility. Feature delivery may depend on bureau report or score availability.
Who it is for
It may suit people seeking three-bureau reports and monitoring, identity alerts, and specialist help with identity theft or fraud.
What is good
- Quarterly reports and scores cover three bureaus.
- Daily monitoring alerts members to critical changes.
- Specialists help with identity theft and fraud resolution.
- Free Credit Essentials requires no credit card.
What to know first
- Premium costs $29.95 per month plus applicable tax.
- Specialist support is closed on major U.S. holidays.
- Displayed scores may differ from those used by lenders.
Verdict
Credit Premium combines three-bureau monitoring with identity alerts and access to resolution specialists. Consider its monthly cost, score-model limitation and the possibility that some features depend on bureau data availability.
TransUnion Credit Premium plans and pricing
All plansCompared on identity theft protection services
- Free plan
- Yes
- Paid from
- Free
- Dark-web monitoring
- Yes
- Bank account monitoring
- Yes
- SSN monitoring
- Yes
- Identity restoration
- Yes
- Identity-theft insurance
- Yes
