TrueCredit Review

TrueCredit is a service provided by TransUnion Interactive. It is different from the credit monitoring solution offered by TransUnion in that TrueCredit monitors all three credit bureaus. This service offers a free 30-day trial, and costs $14.95 per month thereafter.

One advantage to TrueCredit is that you can request an updated copy of your Experian and Equifax credit report/score once every 30 days, and can update your TransUnion report/score once per day. When you request these reports from TrueCredit it doesn’t have a negative effect your credit score.

TrueCredit is constantly looking for new features to help consumers monitor their credit report. Recent new features include instant message updates, insurance scores, and a mortgage simulator. Insurance scores is especially interesting in that it allows you to see data used by insurance companies to determine what rate you pay.

Every time you log into your TrueCredit account you will see a “change checker.” This window provides a quick snap-shot of recent activity on your credit report. Even if you never login to the website TrueCredit will send you an email within 24 hours of any key change to your credit report.

On the negative side of things, some TrueCredit customers have reported frustration with spammy emails and affiliate ads after signing up with the credit monitoring service.

TrueCredit is dedicated to helping consumers monitor their credit, but doesn’t offer business solutions.

If you have any questions about products offered by TrueCredit you will have to rely on articles on the website. We were unable to find an email address and the “virtual agent” is exactly that, virtual. The agent is a robot named Jenny and she is easily confused, but she did give us the phone number (which can’t be found anywhere else on the site).

The only benefit we were able to find with TrueCredit that you can’t get with TransUnion is credit monitoring that tracks all three credit bureaus. Such a feature is the mark of a truly comprehensive credit monitoring solution.

For information about how to improve your credit report, look at How to Build a Better Credit Rating and TopTen Tips for Finding a Credit Counselor. If you are looking for help protecting your identity, check out our Identity Theft Protection Services Reviews.