Free Trans Union Credit Report and Score: the Best ValueThe free Trans Union credit report is great because in addition to your free credit report you also get a free credit score. Trans Union has been in the credit profile game now for over 30 years.To get your free Trans Union credit report, like every other credit bureau, you have two choices either to get it by mail or to get it instantly online. For information about how to get a free mailed report please see the details below. You can get your free Trans Union credit report instantly online, if you click here. However please be aware that to get your free Trans Union credit report and free credit score you must sign-up for a free 30 day trial of their credit monitoring service. The Benefits of a Free Trans Union Credit Report and Score Your Trans Union credit report is a list of your credit history. It tracks every single payment you've made or haven't made on things such as credit cards, mortgage payments, car loans etc. Any late or missed payments negatively affect your credit rating. Thus, it pays to know what is on it since the information it contains can affect your ability to buy a new home or get a new car. Additionally, it affects the interest rate you pay on loans. The better your credit report the lower your interest rate. By getting your free credit report and score from Trans Union, you can make sure that there are no errors and that you aren’t paying more than you have to or worse denied getting a loan altogether. Remember your credit reports can affect major elements of your financial future so it pays to be informed. The Benefits of Trans Union's Credit Monitoring Service Trans Union’s credit monitoring service is very similar to the other credit bureaus competing services. The free trial period lasts 30 days. If you cancel before the 30 day free trial is up you can keep your credit report and credit score for free. Their credit monitoring service offers: Quarterly access to your credit report with analytical tools, Weekly fraud-watch emails and updates to your credit report and Toll-free, easy access to credit specialists. Monitoring your credit allows you to look for errors that may appear on your report, as well as unauthorized changes that may indicate fraud. With the growing threat of identity fraud, it's important to make sure that your credit is closely watched. Therefore, you are under no obligation to keep the service although it is a good way to stay on top of your Credit Profile. Remember though if all you want is your free credit report and score just cancel the service within the first 30 days.
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