Verithiathe honest score on any app
Updated July 2026 · real, multi-region App Store reviews
Head-to-head

TransUnion® vs Experian®

TransUnion® 4.6★ · Free to download 20
Winner Experian®
Experian® 4.8★ · Free to download 75

Experian is the clear winner due to its significantly higher user satisfaction and fewer critical issues, especially regarding basic functionality like logging in, despite some complaints about aggressive marketing and customer support.

Full reviews: TransUnion® · Experian®

Experian generally receives positive feedback for its helpfulness in credit monitoring and building, though some users report issues with login, customer support, and excessive notifications. TransUnion, in contrast, is plagued by widespread login failures and reports of the app being broken or useless.

Head to head

Ease of Use (Login & Stability) edge: Experian®R3R5R7R11
TransUnion® TransUnion users overwhelmingly report critical issues with logging in, with many stating they can log in on the website but not the app R3R7R11R13. Some users even state customer service confirmed the app is broken R19R36. The app is described as 'useless' due to these login problems R5R16R29.
Experian® Experian users generally find the app easy to use . However, some users do report login issues R63 and glitches . A few mention being locked out or unable to sign in without paying R63R76.
Features & Information edge: Experian®R4R5R6R10
TransUnion® TransUnion provides credit information R4R10 and allows freezing/unfreezing credit R6. However, some users report missing or outdated data R16, inability to add missing credit information R16, and issues retrieving all three credit reports . The app is also criticized for primarily advertising credit cards and loans R16.
Experian® Experian is praised for being informative and helpful in understanding and building credit . It offers 24/7 alerts and helps track credit score changes . However, some users find the details basic, lacking specific account listings or reasons for score changes R87. The 'Boost' feature is reported to be glitchy or not working for some .
Reliability & Performance edge: Experian®R1R3R6R8
TransUnion® TransUnion is highly unreliable, with frequent reports of the app being 'completely broken' R3, disfunctional after minor updates R1, or constantly requiring resets R6. Many users cannot even create an account R8.
Experian® Experian is generally reliable for monitoring credit . However, some users experience glitches , slow updates for positive changes , and issues with features like Experian Boost .
Price & Value tieR2R5R16R29
TransUnion® TransUnion is free to use R2. However, some users feel the app is useless due to functionality issues, regardless of price R5R16R29.
Experian® Experian offers a free version R76 but also has a premium subscription, which some users find not worth the $25/month R76 or feel they are sneakily charged for . Some users are locked out of the app if they stop paying R63R76. The free version is seen as useful for checking scores R87.
Customer Support tieR5R19R22R36
TransUnion® TransUnion's customer support is described as non-existent R22, unhelpful R36, or only offering a chatbot instead of a real person R5. Some users were even told by CS that they could no longer log in via the app R19.
Experian® Experian's customer support is frequently criticized as non-existent , awful , outsourced, condescending, and unhelpful . Users report difficulty reaching a human and being hung up on by AI helpers . Some also mention issues with verifying identity or getting help for locked accounts . However, one user did rate customer service as excellent .
Pick TransUnion® if

You are a masochist who enjoys frustration and prefers to use a web browser for credit monitoring, as the app is widely reported to be broken R3R19R36.

Pick Experian® if

You want a generally reliable app to monitor and build your credit score, are comfortable with potential marketing notifications, and can navigate around occasional login or customer support issues .

Evidence note: Reviews for TransUnion are overwhelmingly negative, focusing on critical login and functionality issues, making it difficult to compare features or value fairly. Experian has a much larger volume of reviews and a higher lifetime rating, indicating a generally more positive user experience despite some recurring complaints.

Frequently asked

Is the TransUnion app functional for basic credit monitoring?
No, the TransUnion app is widely reported by users to be non-functional for basic tasks like logging in, with many stating they can access their account via a web browser but not the app R3R7R11R13.
Does Experian offer a free version, and what are its limitations?
Yes, Experian offers a free version that users find helpful for checking their credit score R76R87, but some report that if they try a paid subscription and then cancel, they may be locked out of the app without paying again R63R76.
Are there issues with customer support for either app?
Both apps receive significant criticism for their customer support, with TransUnion users reporting non-existent or unhelpful support R5R19R22R36 and Experian users describing support as awful, outsourced, and difficult to reach a human .

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. [R3] TransUnion® 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.
  2. [R5] TransUnion® 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
  3. [R7] TransUnion® 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!!
  4. [R11] TransUnion® 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
  5. [R4] TransUnion® 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. :)
  6. [R6] TransUnion® 5/5 · US App Locks When Hackers Hit It: Unfortunately the app has to constantly be reset but it is clearly because fraud hacks occur constantly and TransUnion locks it immediately. Yes it can be irritating, but what’s better, that it locks out fraudsters immediately or that they let a fraudster steal all a person’s information and create loan frauds?
  7. [R10] TransUnion® 5/5 · US Credit report: Thank you, Trans Union
  8. [R1] TransUnion® 1/5 · US How about some longevity?: What a waste to have to download so frequently. Minor updates as listed in the changelog, make the application completely disfunctional.
  9. [R8] TransUnion® 5/5 · US Won’t create account: Makes me add all of my info but never allows me to open an account. Just hacking me
  10. [R2] TransUnion® 5/5 · US Works great: Great app free to use!
  11. [R16] TransUnion® 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.
  12. [R29] TransUnion® 1/5 · US Useless: The apps for the Experien, and Equifax work flawlessly. This app is garbage. Your login information is rejected as incorrect. Over, and over. Change your info, and use the new login you just created and it’s rejected as incorrect. Absolutely infuriating!!!!!!!!
  13. [R19] TransUnion® 1/5 · US App apparently no longer supported.: Called CS who literally advised me you can no longer login via the app.
  14. [R22] TransUnion® 1/5 · US Cannot access app: In agreement with another review where app is not accessible despite being able to access the account on a browser with the same login credentials. Support for TransUnion is non existent.
  15. [R36] TransUnion® 1/5 · US App is Broken: The app will not allow you to sign in. Customer service verified it is broken and did not provide a timeline for a fix. Not very helpful.
  16. [R13] TransUnion® 1/5 · US if it’s TU, it’s broken: how good can the app be if it doesn’t allow something as basic as logging in? it works on web, but the app says login error every time. credit bureaus shouldn’t exist to begin with, but transunion is the worst of the three by a country mile
  17. [R63] Experian® 3/5 · US Okay: The app is OK. I just don’t like the fact that I can’t log into my account. If I decide I don’t wanna continue to pay for the membership anymore. It won’t allow me to login without paying which is ridiculous to me.
  18. [R76] Experian® 1/5 · US Unusable if not paid: I used the free version since 2019. I decided to try out the subscription, and its not worth the $25 a month ($300 a year mind you) there’s no features added. Now, the problem is I went to cancel it, and I cannot open the app without paying $25. There’s no option to cancel. No human support. So I deleted it. And your emails are spam now. Thanks for nothing.
  19. [R87] Experian® 2/5 · US Only good for checking score: They need to provide more detailed information on credit score changes. The app shows score drops and increases and tells you next to nothing about them - so it’s unhelpful. It has broad and general assumptions about why a score may have changed. Experian’s benefit is that it shows a credit rating number and that’s it pretty much. They also display advertising excessi

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