TransUnion TrueIdentity Review – Free Identity Theft & Credit Protection

TrueIdentity logo.Identity (ID) theft is a growing concern for millions of consumers given the way we conduct some if not all of our financial transactions – online, on the phone, or by mail. In a study and recent review conducted by Javelin Strategy & Research, it was found that tens of millions of U.S. consumers experience some degree of identity theft each year alone, equaling billions in fraudulent transactions.

In some cases, credit accounts and home loans were opened in someone’s name without their knowledge or consent, while in others, bank account information was taken and used for someone else’s benefit.

ID theft can have a lasting impact on your credit and ultimately lead to a loss of time, energy, and money if it is not caught and subsequently corrected in a short period of time.

What is TransUnion TrueIdentity?

To help consumers stave off cyber criminals and their uncanny ability to steal personal and financial information, TransUnion developed a new, no-cost identity theft protection program known as TrueIdentity.

The product can be used either online via the website or as a mobile app and does not require any credit card information to get started.

Users simply input their identifying information online, including name, address, phone number, date of birth, and social security number to establish a new account. As a security feature, TrueIdentity verifies the user’s true identity through a series of questions prior to activating an account.

Once an account is established, three main features are made immediately available to help thwart off identity theft: 1-touch credit lock, instant alerts, and TransUnion reports & alerts.

TransUnion TrueIdentity Membership Benefits

1. One-Touch Credit Lock

Through TrueIdentity by TransUnion, users have the ability to quickly lock their credit report whether they are online or on the go. With a simple swipe or click, you can make your credit report from TransUnion off-limits to creditors, lenders, landlords, and employers, and turn it back on again just as easily.

If you are concerned that someone may be attempting to use your personal information to establish a new credit card account, auto loan, personal loan, or otherwise, locking your credit report forces a creditor to contact you directly prior to approving any account application.

When you know you don’t have a need for new credit, the one-touch lock with TrueIdentity helps safeguard your TransUnion credit report data from unauthorized access.

The beauty is that the credit lock service is typically offered for a fee, but TransUnion offers it for free through TrueIdentity. Just keep in mind, your Equifax and Experian credit reports will remain unlocked unless you lock them directly with each credit bureau.

2. Instant Credit Alerts

In addition to one-touch credit locks, TrueIdentity also offers instant alerts. When a new credit application is completed in the user’s name, an alert is sent within moments via a text message, an e-mail, or a phone call.

If you did not initiate a new credit account or application, you can then utilize the app or log in using the desktop version of TrueIdentity to lock your credit report after contacting the creditor who authorized the new account to have them stop the transaction from moving any further in the process. Then unlock it just as easily.

3. TransUnion Credit Report

One of the most powerful benefits of TrueIdentity by TransUnion is access to your TransUnion credit reports. Oftentimes, a strange name, address, or credit inquiry found on your credit report is the only sign of potential identity theft. Checking your credit report regularly gives you the opportunity to get ahead of any fraudulent activity before it becomes a costly problem.

TrueIdentity provides users with unlimited access to their TransUnion credit report by refreshing it to help keep them informed about changes and potential problems.

Accessing Your TransUnion Credit Score

If you also need to know your TransUnion credit score you can upgrade to TrueIdentity Premium for $9.95/mo., which includes dark-web and criminal records monitoring, up to $1,000,000 in fraud insurance, TransUnion credit score based on VantageScore, 3 major credit bureau email and text alerts of critical changes to your credit reports, debt analysis with calculators, simulators, and more.

If you would like to be able to lock and unlock all three of your credit reports with ease you will need to sign-up for TransUnion Credit Monitoring at a cost of $29.95/mo.

ID Theft Insurance, Fraud Assistance, Savings Opportunities.

In addition to these three primary membership benefits, users will also receive other helpful benefits including $25,000 in ID theft insurance, fraud assistance, and savings recommendations on personal loans, investment accounts, and credit repair.

Final Thoughts on TransUnion TrueIdentity Free

TrueIdenity by TransUnion is a smart tool to use in protecting yourself from identity theft, whether you’re using the program online or while you’re on the go. Access is free, always, and it takes just a few moments to set up.

Although the free membership only provides access to TransUnion credit report activity for free and not other credit reporting agency data, TrueIdentity can be your first step toward maintaining a watchful eye on your credit and steering clear of costly ID theft that could be a challenge to manage and correct down the road.

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Posted on December 19, 2022 by in Credit Monitoring

Comments & Discussion



6 Responses to “TransUnion TrueIdentity Review – Free Identity Theft & Credit Protection”


  • On September 12, 2019, Wes wrote:

    Hi Victor, I’m sorry to hear that. Unfortunately you will need to contact the credit bureaus directly to set-up a fraud alert, credit lock or credit freeze. Or sign-in to your TrueIdentity account to make sure you are receiving the desired credit monitoring alerts.

  • On September 12, 2019, Victor Malewa Mabaso wrote:

    Morning ladies and Gentlemen on the 05/09/2019 I lost my drivers license that was lost in my red Toyota corolla sedan Registration Fzx 362 Nw which was stolen early hours of Thursday 05/09/2019 ,while I was fast asleep , by so doing now I will ask you to be aware of any installment or credit from any furniture shop, banks, or any other financial institutions about my details in that lost drivers license , because I have already reported that matter at the police station , my identity number and cell phone number are as follows removed for security purposes.

  • On October 21, 2017, Wes wrote:

    Hi Eugene, A credit freeze is slightly more secure than a credit lock, but both pretty much do the same thing. This recent article we posted describes the differences more in detail.

  • On October 16, 2017, Eugene Anemojanis wrote:

    what is the difference between Locking and Freezing the credit report.

  • On March 10, 2017, Wes wrote:

    Hi Juanita,
    I’m sorry to hear about that. Sounds like you need to place a security freeze on your credit file, which will prevent them from taking out credit in your name – using your social security number. You will have to do it with each of the three credit bureaus. Here is an article covering what it means to freeze your credit.

    Alternatively, you might want to consider placing a fraud alert instead. That way it will be easier for YOU to continue to get credit when you need it, but flags your credit file and alerts you of any activity. You can read more about it here.

    Lastly, you can instantly “lock” your TransUnion credit report through TrueIdentity for free, but will need to still take measures with Equifax and Experian to ensure your credit file is locked with them as well.

    Best of luck.

  • On March 10, 2017, Juanita Luster wrote:

    I need a freeze on my social security card number. My tax information was stolen out of my mail box. I need help.




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