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Updated July 2026 · real, multi-region App Store reviews
User consensusAlternativesIs it worth it?
Is it worth paying for

TransUnion®

10
Value score / 100 Worth paying? No Skip it

The TransUnion app is not worth using due to widespread login issues and a lack of functionality for free users, despite a high lifetime rating.

Free to download seen up to $721 4.6★ lifetime (38,695) since 2013

The TransUnion app suffers from critical login problems, with many users unable to access their accounts even with correct credentials used on the website R2R4R6. While some users praise its free credit monitoring and protection, others report that essential features like credit freezes are only available via the website or for paid users R58R61. The app's high lifetime rating appears to be at odds with recent user experiences, which are overwhelmingly negative regarding basic usability.

Free vs paid

The app is advertised as free to use . However, many recent reviews indicate that the app's login system is broken for free users, effectively making it inaccessible unless you have a paid subscription R60R67. Some users report that even for basic functions like freezing credit, the app forces them to the website R5R61R112. Paid users, or those with premium subscriptions, seem to have better access and functionality R60R67.

Value complaints

  • The app is effectively paywalled, as free users cannot log in, forcing them to the website for basic functions like freezing credit.R5R60R61R67
  • Users are harassed by pop-ups to subscribe to services, despite the app's poor functionality.R69
  • The app is full of ads and pushes for upgrades and paid protections, with useful details often requiring a visit to the website.R14R88

Where it delivers

  • Some users find the app helpful for monitoring information and protecting credit, appreciating its simple layout and lack of forced subscriptions.R58
  • The app can help users recover unexpected refunds.R157
  • Some users report a positive experience with the app's new look and functionality.R12R208
Worth paying if

It is not worth paying for this app, as even paid users experience issues, and the core functionality is often broken or redirected to the website R60R67.

Skip / stay free if

Skip this app if you expect to log in reliably, manage your credit freeze within the app, or receive real-time, accurate credit updates R2R4R5R14.

Evidence note: The high lifetime rating of 4.58 is heavily contradicted by recent reviews, which are overwhelmingly negative and focus on critical login failures and lack of functionality. The positive reviews are sparse and often generic, or refer to experiences that no longer seem to be the norm.

Frequently asked

Can I log in to the TransUnion app?
Many users report being unable to log in to the TransUnion app, even with correct credentials that work on the website R2R4R6R8. Customer service has reportedly confirmed the app is broken or only for paid users R67.
Does the TransUnion app allow me to manage credit freezes?
No, the TransUnion app does not reliably allow users to manage credit freezes directly within the app; it often redirects users to the website for this functionality R5R61R100R112.
Is the credit information in the TransUnion app accurate and up-to-date?
Users report that the credit information in the TransUnion app is often not accurate or up-to-date, with data being months behind and not reflecting true credit history R1R14R34R78.
Are there issues with two-factor authentication in the TransUnion app?
Yes, many users experience problems with two-factor authentication, reporting that the app fails to send security codes via text or email, or does not provide options for how the code should be sent R37R38R46R53.

What reviewers actually said

Built only from these 120 real reviews (foreign ones translated). Superscripts jump to the quote here. Apple has no per-review links, so [ref] opens that app's reviews on the App Store.

  1. [R5] 1/5 · US This app is useless: I don’t know where some of these reviews come from, but an app does now allow you to freeze your account or makes you jump through too many hoops is useless. Also, doesn’t accept my username or password. The app doesn’t allow me to edit information. Has my annual income wrong, and states I rent my house. In addition, an only get a stupid chatbot and not a real person. TransUn
  2. [R60] 1/5 · US Only for paid users: This is weird. Only allows me to login through the website but not on app
  3. [R61] 1/5 · US Can’t login: Absolutely worthless app. Made an account to freeze my credit, couldn’t do it in the app which redirected me to the website. Couldn’t login to the website. Completely incompetent company that should be banned from “monitoring” our credit.
  4. [R67] 1/5 · US Exclusively for Paid Users: Other reports confirm that TransUnion appears to have silently disabled the app for free users. Login system is completely broken, and customer service is reporting the app is only for paid users. Very surprising this does not appear to have been reported anywhere. CFPB should be involved.
  5. [R69] 1/5 · US A joke?: Why do you have to send a code EVERY TIME YOU LOG INTO THE APP?? Why is there no Face ID feature like other credit score apps have?? Y’all are so behind in the game. I also hate getting harassed by pop ups when I first get into the app about subscribing to the service. Y’all can’t even implement Face ID, why would I subscribe to any service from this company?? Please be so for real. Nobod
  6. [R14] 1/5 · US Useless and missing data: No way to add missing credit information. The data is months behind, not reflecting a true credit history and not up to date. This app is just a way for them to advertise new credit cards and loans to you.
  7. [R88] 2/5 · US Nothing useful on the app-sends to web for every useful detail: App is basically an infinite scroll of ‘Ads’ - every section either shoving credit card offers in your face, or selling scores to you or pushing account upgrades to you or strong arming you to purchase this protection that protection, from top to bottom. Anything useful like Freeze Status, filing a dispute, Dispute Status, Personal St
  8. [R58] 5/5 · US A Must-Have: This app is important to easily monitor your information and protect your credit. Simple, easy and straight-to-the-point layout. Does not pile-up on you unwanted, self-generating-income subscriptions and additional paid services, as opposed to what the Experian app does.
  9. [R157] 5/5 · US I got money back!: I just received a 75.00 check that I was not expecting. Transunion got me a refund from one of the skallywags had over charged me. I didn’t ask for a refund, I thought it was just out some hard earned money. I was so happy! I think they are great.
  10. [R12] 5/5 · US New Look !!: The Credit Nfo this Month is NEW & Different from the last time I checked my score. I like it, and I appreciate it. :)
  11. [R208] 5/5 · US Great experience and it works!: What an upgrade from old experience and there’s so much more with new experience. Everything works. Well done!!
  12. [R2] 1/5 · US Can't Log In on the App: You can see everyone complaining about this. Fix the damn thing!
  13. [R4] 1/5 · US Completely Broken: I give this app zero stars. It has never, ever worked for me. I can login just fine via a browser. But the app, it fails every time. Please scrap this and provide an app which works.
  14. [R6] 1/5 · US Cannot log in: I can NEVER log in on the app. I can only log in on the website. It makes no sense!!
  15. [R8] 1/5 · US Doesn’t work: Type in my username/password but always says incorrect even though on the computer it logs me in with those credentials
  16. [R100] 1/5 · US Horrific: Can’t freeze and unfreeze from the app. The login process doesn’t work 75% of the time and resetting your password just doesn’t work 90%. Now it won’t let me update my email address.
  17. [R112] 1/5 · US Can’t Manage Credit Freeze in App: Can’t manage a credit freeze within the app, it forces you out to the web browser. Meanwhile myEquifax and Experian apps let you manage their freezes. Also shows Vantage score, not FICO.
  18. [R1] 1/5 · US Update to profile: The app is beneficial however it takes a long time for trans union to update information on your profile. How is it that given today’s technology you take up to 30 days after the reported account to update information?
  19. [R34] 2/5 · US Inconsistent and cumbersome: Way too much information all over the place and the information isn’t consistent from one page to the other. I have a credit card that I know is paid off and has been reported by the credit card company as being at a zero balance, but another screen shows I still have a balance. The credit score still shows that I have a balance. It doesn’t make sense and isn’t really
  20. [R78] 1/5 · US John Mortimer: The score is not accurate
  21. [R37] 1/5 · US Can’t even login: I can login through the web, but app does not work. The “Send code to” phone number does not work and email is not an option like the webpage.
  22. [R38] 1/5 · US Can’t log into app on iPhone: Can’t get into app on iPhone. Allows me to put in my password but then tries to send a code but doesn’t show options for where the code should be sent. Works in my browser on my computer but not in the app.
  23. [R46] 1/5 · US Log Jam: This app requires auth code that will never come either by way of text or by email. Junk app. FIX THIS! App is worthless if you can’t verify yourself!
  24. [R53] 1/5 · US Stuck in a Loop: This app don’t let you get past the sign in page. When you enter your username and password, it takes you to a security code page you request the security code. And it takes you back to the sign me in page and ask you for your username and password again then it takes you to the security page and it’s a constant repeat a one reading is too good for this app

Synthesized from 120 recent App Store reviews · updated July 2026 · View on the App Store