True Credit Report.com: TransUnion 1 of the 3 Bureaus

I just tried out TransUnion 1 of the 3 major credit bureaus to see how it would size up compared to Equifax which I tried a few days ago. I personally like the interface of Equifax more, I think it’s cleaner looking, 10 times as much info and far easier to navigate. TransUnion is full of too many ads, I would say 80% of it is just ads trying to upsell you. My TransUnion score was lower than my Equifax score, but that will not be the case with everyone. Each credit bureau would provide you a credit score based on the information they have, so your job is to review it often and keep it as accurate as possible. It did offer me a free trial like Equifax that I do like.

In the member center one of the first things I noticed is it will do a check right on the spot to see if their has been an update on: New accounts, Inquiries, deliquent accounts, New public records, address change, other critical changes. My account showed none of these, so I wasn’t able to see how well that worked. It shows you your credit score right away. You can add experian or Equifax right from that same page, that’s convenient, I chose not to. They have lots of ads to offer you credit cards, etc. Much like Equifax you can set up credit alerts, I currently didn’t have any at the time. The credit score shows you a few other graphs as to where you compare to the rest of the population. Most people will tell you 700-720 credit score is pretty normal, but also good. There is a “trending” part that showed you graphs on your available credit, balance/payments, deliquencies, inquires, total debt, credit score, debt-to-income. On the debt-to-income part it gave you a chance to enter in different types of incomes you receive, rental, alimony, salary, etc. It gives a pie chart to show your DTI ratio. TransUnion let’s you put lock’s on your account to protect you from identity theft, which is a great idea. They offer identity theft insurance, fraud resolution, etc. Then they have insurance and auto scores also available as upsells. They have mortgage simulators you can also use.

It will also give you a summary of:

TOTAL ACCOUNTS:
OPEN ACCOUNTS:
CLOSED ACCOUNTS:
DELINQUENT:
DEROGATORY:
BALANCES:
PAYMENTS:
PUBLIC RECORDS:
INQUIRIES (2 years):

and the number you have of each. Like most credit reports it will tell you the number of 30 day, 60 day and 90 day lates you have, 120, 150, payment plans, lots of detail that I like here, all color coded. There is a part where it gives you creditor contacts. Also the color coding part is pretty nice, I like the way they do that. To have true control over your credit and to keep it clean all of the time, you will want to pull your credit with each bureau and report anything that’s inaccurate.

TransUnion.com You can go here to pull your credit score.

After you check your credit score please contact me ron@minnesotainvestors.com and we’ll help you find a property.

Please do me a favor and tell just 3 friends today, to subscribe to this daily blog feed by going here:
http://www.minnesotainvestors.com/blog/feed/

READ:SEARCH:CLICK:PHOTOS:AUDIO:VIDEO:
http://www.ronorr.com/homes
EMAIL: homes@ronorr.com
TEXT: 'Homes' to: 763-634-1766
FREE RECORDING: Coming Soon
CALL: 763-634-1766
MinnesotaInvestors.com, Inc.