TransUnion: Credit Monitoring

The TU APP is working well...especially the Credit-Lock feature! This year, my Credit-Lock stopped someone, in the Tampa, Florida area, who evidently hacked into some system and used my SS# to fraudulently open a $40,000 Line of Credit (LOC) at Goldman Sachs new MARCOM Retail Bank. The LOC could not be opened and I received a Letter from MARCOM that my Credit LOC was denied! And of course, I immediately called MARCOM to ensure there was no account opened with my SS#...and there was no Account opened. However, somebody had my Full-Name, Address, and SS# and MARCOM said I could report the LOC incident to the Police. They said to call the Sheriff and they said “IT HAPPENS”...all the time and there are no resources available to investigate fraudulent Account applications. What a joke! As well, when the Police Associations call for donations, I’ll be out of dollars... for those inept organizations. Thank Goodness the TU APP Credit-Lock stopped the LOC Application! Timothy Gaze

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This has nothing to offer but very simple data which can’t be drilled down into to see details. I couldn’t find a dispute option anywhere and why would there be a separate app. to view and lock credit accounts. You should take a look at Experian‘s app., which looks like their developers wanted to give the user of their app. a lot more of the users own information. Developers, think about what you want to see in a credit report and then think outside of the box of things that can be added to the app. that gives the user more information and more control of the users information. *if a manager or VP won’t let you make this app. better than you should update your resume because that person is dumb as a box of rocks and should be transferred to the data entry area because that’s typing information directly from a piece of paper. ie.... no thought involved. IJS

This new update actually works. I stopped using TransUnion because I didn’t want to log in through a browser. It’s been a long time. There are still bugs it seems. After 2-3 different menu selections the app shuts off. It’s happening regularly. Anyway, I’m happy to at least be able to login :-) Sad that such an important organization can’t get an app to work on a iphoneX with the latest iOS.

I really like the app and the it displays. A couple complaints: There is no way to contact TransUnion other than to call during business hours for minor questions. One such thing is that the app shuts down every time to try to do something in the debt ratio section. When I turn to that feature now, there are several multiples of the same “debt added by me” data (like 20) and the app crashes if I try to delete them. The website just wont save any changes. Weird.

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Unlike Experian and Equifax, nothing is free from transunion except once a year you can get a free credit report. I have spent a very long time on the phone with them and finally today I asked the person about the app. All of the customer service reps I spoke with said this app was no good. I finally asked if it costs to use this app, and it does. To use their “free” app it is “My Transunion”. It’s a waste of time with one exception, if you need to freeze or unfreeze your report with them then that is the app to do it with. What a huge waste of time.