What would you do if your TransUnion credit score dropped from 800 to 650 because someone opened a fraudulent account in your name? This wasn’t a hypothetical situation. It was a real complaint filed by a TransUnion customer on Trustpilot.
To prevent these kinds of issues, TransUnion offers these tools that you can use to manage and protect your credit report:
- Free Annual Credit Report
- Dispute Credit Report
- Freeze Credit Report
- TransUnion Credit Report
- Fraud Alert
- Active Duty Credit Monitoring
The best part is you can use these tools for free.
So why pay $29.95 monthly for TransUnion’s Credit Monitoring subscription for daily credit reports when the Fair and Accurate Credit Transaction Act of 2003 requires the credit bureaus to issue weekly credit reports?
How to Cancel Your TransUnion Membership
Canceling online is the fastest way to cancel your membership. It only takes four steps:
- Go to this page: https://membership.tui.transunion.com/tucm/cancelMembership.page
- Sign in to Your TransUnion Account
- Click “Continue & Cancel”
- Click “Cancel my Monitoring.”
Alternatively, you can also cancel by calling customer service at 1-833-598-0673.
💡 Pro Tip: Cancel your membership before the current billing period ends to avoid getting charged another month’s fees. You can continue to access your account until the end of the billing period.
How to Cancel Your TransUnion Membership Online
Follow the steps below to cancel your TransUnion membership online.
- Go to this link: https://membership.tui.transunion.com/tucm/cancelMembership.page
- Log into your Account.
- Click “Continue & Cancel.”
- Click “Cancel my Monitoring.”
How to Cancel Your TransUnion Membership by Calling Customer Service
Call TransUnion customer service at 1-833-598-0673. Phone lines are open Monday through Friday, 6:00 am to 8:00 pm EST.
Expect the customer service representative to confirm your identity. Prepare the following information:
- Full name
- TransUnion membership account number.
- Email address
- Home address
- Mobile phone number
Inform the representative that you want to cancel your TransUnion membership. The representative might ask why you want to cancel your membership. He might offer discounts on services to get you to stay.
Provide a reason for cancelation but decline his offers. Reiterate your request to cancel your membership.
💡 Note: TransUnion will send an email confirmation that your membership was canceled.
How to Manage Your TransUnion Account
Use the information below to troubleshoot minor issues. Your TransUnion account has self-service features to help you manage your subscription. For assistance, contact customer service at 1-833-598-0673.
How to Reset Your Username and Password
TransUnion offers various services that can be accessed through five different products. To reset your username and password, click the correct product link below.
- TransUnion Service Center
- Data Privacy Portal
- TransUnion Credit Monitoring
- TrueIdentity
- TransUnion Identity Protection
Once you’re logged in, go through the identification process. TransUnion will validate the information you provided. After verifying the information, you’ll be given access to your account.
TransUnion will email a link to reset your username or password. Click the link, then follow the instructions to reset your username or password. Then, log into your account using the new username or password.
How to Change Your TransUnion Login Information
Follow the steps below to change the login information in your TransUnion account.
1. TransUnion Service Center
- Log into your account.
- Click “My Profile.”
- Click “My Settings.”
2. TransUnion Credit Monitoring
- Log into your account.
- Click “My Profile.”
- Click “My Account.”
3. TrueIdentity
- Log into your account.
- Click “My Profile.”
- Click “My Account.”
4. TransUnion Identity Protection
- Log into your account.
- Click your name.
- Click “Manage Account.”
Note: To change your TransUnion account’s email and mailing address, follow the procedures above.
How to Change Your Credit Card Information in Your TransUnion Account
Follow the steps below to change the credit card information in your TransUnion account.
1. TransUnion Credit Monitoring
- Log into your account.
- Click “My Profile.”
- Click “Payments & Orders.”
- Click “Product Billing Information.”
- Select the credit card you want to change.
- Enter the new credit card information.
- Click “Change Credit Card Information.”
2. TrueIdentity Premium
- Log into your account.
- Click “My Profile.”
- Click “Payments & Orders.”
- Click “Product Billing Information.”
- Select the credit card you want to change.
- Enter the new credit card information.
- Click “Change Credit Card Information.”
3. TransUnion Identity Protection
- Log into your account.
- Click your name.
- Click “Manage Account.”
- Go to “Billing Information.”
- Change your credit card information.
- Click “Save.”
How to Change Your Personal Information in Your TransUnion Account
Personal information refers to the following:
- Full Name
- Date of Birth
- Social Security Number
You can only change your personal information in your TransUnion account through snail mail.
In your letter, inform TransUnion that you want to change your personal information. Include copies of the following documents:
- Driver’s License
- Birth Certificate
- Social Security Card
- A court order
Send the letter and the documents to:
TransUnion Consumer Solutions
P.O. Box 2000
Chester, PA 19016-2000
Pro Tip: Use certified mail instead of standard mail. With certified mail, you get proof of shipment, a receipt, and a unique tracking number.
Understanding Your TransUnion Membership Service Agreement
Learn important information about the service agreement before canceling your TransUnion membership.
1. Free Trials
Cancel your membership before the end of a free trial period. Once the free trial period ends, TransUnion will automatically enroll you in a paid subscription plan. The terms and conditions of the free trial will vary depending on the product you signed up for.
2. Membership Renewals
TransUnion automatically renews memberships every month. The monthly membership fee and applicable taxes are charged to the designated credit card, debit card, or bank account. If payment is unsuccessful, you’ll be notified by email.
You’ll be given 25 days to pay your bill. Until the bill is paid, you won’t be able to access your account. If the bill remains unpaid after 25 days, TransUnion will cancel your membership.
3. Money-back Guarantees
You can request a refund on a purchased product with a money-back guarantee within 30 days. You cannot request a refund once the 30-day refund period is over. TransUnion only allows one money-back guarantee per customer.
Should You Cancel Your TransUnion Membership?
TransUnion is one of the three big credit bureaus, along with Experian and Equifax. These credit bureaus create reports that summarize consumers’ financial histories. Banks and other lending institutions use the reports to assess the creditworthiness of loan applicants.
Experian, Equifax, and TransUnion have different methods of collecting and analyzing data, which is why their credit scoring and rating systems differ.
The Fair and Accurate Credit Transaction Act of 2003 required the three credit bureaus to provide all consumers with weekly free credit reports. In response, the three credit bureaus established AnnualCredit Report.com, a website where consumers can request free credit reports every week despite what the website name implies.
Now, let’s compare TransUnion with Experian and Equifax.
TransUnion Vs. Experian: Who Wins?
When you subscribe to TransUnion’s Credit Monitoring service, you get the following benefits:
- Daily Credit Report
- Credit Score Trends
- Alerts from Experian and Equifax
- Access to Equifax Reports
- Credit health recommendations from Credit Compass
- Fraud Resolution Support
In comparison, you can get similar benefits with Experian’s free services:
- Experian Credit Report and FICO® Score (updated every 30 days)
- Experian Credit Monitoring
- Customized Alerts for Credit Score Changes
- Access to Experian Online Disputes
- Access to Credit Offers
- Credit Information Resources (via email)
Signing up for Experian’s Premium Identity Protection Plan will include the following features in addition to the free services:
- Daily credit report and FICO score
- FICO Score Monitoring
- Advanced Identity Theft Monitoring
- Monthly privacy scans
- Help in removing information from people checking websites
- Alerts from Equifax and TransUnion
Experian’s Premium Identity Protection Plan costs only $24.99 and includes a seven-day free trial. Experian’s paid subscription offers more value than TransUnion’s.
Now, let’s check out how TransUnion stacks up against Equifax.
TransUnion vs Equifax: Who Wins?
Signing up for a free myEquifax account gives you access to the following services:
- Equifax credit reports
- Security Freeze
- Fraud Alert
- Dispute Resolution Assistance
- Monthly credit score reporting (through Equifax Credit Core)
If you subscribe to the $19.95 monthly Premiere Equifax Complete service, you get the following benefits:
- Alerts and monitoring reports from Experian and TransUnion
- Annual reports from Experian and TransUnion
- WebScan Services
- Identity Restoration
- Lost Wallet Assistance
- Up to $1M Identity Theft Insurance
- Stolen funds replacement
TransUnion’s free account has all of the features of myEquifax plus the Active Duty Credit Monitoring service which emails alerts about changes in your credit file.
However, Equifax wins the battle of the paid subscriptions by knock out.
Premiere Equifax Complete is cheaper than TransUnion’s Credit Monitoring subscription by $10 and offers amazing services such as web scanning, identity restoration, lost wallet assistance, and stolen funds replacement.
Who Wins the Battle of the Three Credit Bureaus?
From the comparisons, you can see why Experian was chosen by Forbes Advisor as the Best Credit Monitoring Service in 2024. Thus, you should cancel your TransUnion membership and switch to Experian.
Frequently Asked Questions (FAQs)
1. How do I delete my TransUnion account?
Once you successfully cancel your membership, TransUnion will delete your account.
2. Can I opt-out of TransUnion?
Yes. There are three ways you can opt out of TransUnion.
- Online: Create a TransUnion Service Center account and complete an online data privacy request. Log in periodically to check the status of your request. Once your request is approved, TransUnion will send an email confirmation.
- By Calling: Call customer service at 1-866-310-8783. Inform the representative you want to opt out of TransUnion. The representative will walk you through the opt-out process. Phone lines are open Monday through Friday from 8:00 a.m. to 9:00 p.m. and Saturday and Sunday from 8:00 a.m. to 5:00 p.m. EST.
- Submit an Opt-Out Request: Fill out and submit an Opt-Out Request form. If your request is accepted, you won’t receive a status update or confirmation email. To find out the status of your request, call customer service at 1-866-310-8783.
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Summary
To cancel your TransUnion membership, log into your Account, click “Continue & Cancel,” and confirm by clicking “Cancel my Monitoring.”
You can also cancel by calling customer service at 1-833-598-0673. The phone lines are open Monday through Friday, 6:00 a.m. to 8:00 p.m. EST.
Cancel your membership before the current billing period ends to avoid paying additional fees. You can still access your account until the end of the billing period.
