Taking a 290K loan, I have been paying $1900/month for almost 1. Would love to know the - 1303709And FICO says scores between 670 and 739 qualify as good scores. 4/5 ( 61 votes ) Your Equifax score is lower than the other scores because there is a slight difference in what is reported to each credit agency and each one uses a slightly different method to score your system. Often called "educational" scores. ALL of my AU accounts that have been reporting for over a decade were removed from Equifax over the past week. Credit card utilization is the ratio of credit card balances to available credit card limits. This means that there is not only a clear 200 point difference between these two bureaus but the “perfect scores” are also different, which is 1000 as reported by Experian and 1200 as reported by Equifax. Equifax: why are my credit scores different? Your scores might be different on your Equifax and TransUnion credit reports. These factors are likely to yield different credit scores, even if your credit reports are identical across the three credit. Why is my Equifax score 100 points lower than TransUnion? You might expect all of your credit reports and scores to be the same, but they are usually not. I have 755 with Transunion, and 646 with Equifax. These factors are likely to yield different credit scores, even if your credit reports are. As your score climbs through and above this range, you can benefit from the increased freedom and flexibility healthy credit brings. There are many different scoring models. So, you may have loan A which is reported to Experian, while loan B is reported to Equifax. And even though the credit bureaus may have the same information, each bureau has proprietary algorithms that might score you differently. Why is my Equifax score so low? Your Equifax score is lower than the other credit scores because there is a slight difference in what is reported to each credit agency and each one uses a slightly different method to score your data. Delinquencies reported on a loan reported on one credit report, but not the others, is the most common reason why you'll see wide credit score. Then there are “educational” credit scores. Multiple late payments matter more. Re: Why is my Experian score 40 points lower than Experian & Transunion? I understand that different FICO score models result in different ranges of scores. This is known as “credit utilization” or “credit usage ratio. Each company has its own method of collecting financial information. I thought 900 was a hypothetical score, like someone bowling 300. All credit-scoring agencies, including TransUnion and Equifax, use proprietary scoring models, and despite the fact that credit scores are based on similar or the same factors, such as payment history and the number of accounts in good standing, each model can weigh some of these factors in a different way. An Equifax credit score is a traditional credit score that will range from 101 to 992. The credit bureaus may have different information. They have change slightly since I originally post the. A one-time report from a single credit bureau, whether it's Experian, TransUnion, or Equifax, costs about $20, though you can get a report from all three for $60. It shows my Transunion score from 4 months ago -February 2015 (score=715) and my Equifax score (NO SCORE) as of 1 - 4072030. Equifax scores range from 280 to 850. One of the most evident differences between these two bureaus is that Equifax scores range from 280 to 850, but TransUnion scores range from 300 to 850. You were the victim of identity theft. Would these all be the same? Not necessarily. Here are the services that. Help spot potential signs of ID theft with 3-bureau credit file monitoring; Control access to your Equifax credit report, with certain exceptions, with the freedom to lock and unlock it; Uncover potential threats to your identity with dark web scanning and alerts Go to TransUnion’s site and submit a new dispute. 0 vs FICO 8 credit score comparison charts for TransUnion, Experian, and Equifax with my credit scores. 550. This is because your total available credit is lowered when you close a line of credit, which could result in a higher credit utilization ratio. 0. It is normal for there to be a difference among your scores because of what goes in to calculating them, and it is normal for your Equifax and Transunion scores to be more similar than Experian because Experian FICO 2 is the 1998 version while both Transunion FICO 4 and Equifax FICO 5 are the 2004 version. To maximize all these scores you. When you log into your Credit Karma account, you can access your free credit reports and scores from both TransUnion and Equifax. Dispute directly with the company that reported the information to TransUnion. FICO credit scores, the industry standard for sizing up credit risk, range from 300 to a perfect 850—with 670 to 739 labeled “good,” 740-799 “very good” and 800 to 850 “exceptional. The reason that your Equifax score is lower than your TransUnion score is based on the fact that TransUnion adds personal information and employment data that is weighted. For example, the number of accounts you have or your payment history may be scaled differently depending on the agency. Why is my Equifax score so much lower than Experian? This is due to a variety of factors, such as the many different credit score brands, score variations and score generations in commercial use at any given time. General FICO ® Scores range from 300 to 850, and so do VantageScore 3. An Equifax credit score is an educational credit score. Learn more. You are accessing the "consumer" credit report. And a lender may report updates to different bureaus at different times. 580-669: Fair. The scores are off because the formula is different, factors in different things as compared to FICO, and score ranges are different than FICO's (e. When a lender runs your credit, they’ll usually see your three FICO scores from Experian, Equifax and TransUnion. Equifax, meanwhile, uses its own scoring model with a range of 280 – 850, with “good” being 670 –. If a collection shows up on Experian, but not the other two bureaus, you Experian credit score will be lower than your TransUnion and Equifax scores. Similar numbers. Small-balance collection accounts matter less. This factor can affect your credit scores even if you pay your credit cards off in full each month. “Late” generally means at least 30 days after the due date. My CreditWise score as of 9/12 is. Delinquencies reported on a loan reported on one credit report , but not the others, is the most common reason why you'll see wide credit score. This purchase is only good for a one-time view. TU (900) still has me as a student. Why is Equifax lower than TransUnion? Neither score is more or less accurate than the other; they're only being calculated from slightly differing sources. For example, your Experian credit score. between my two scores could stem from the fact that Equifax reports a slightly longer history and more accounts than TransUnion. CreditWise uses TransUnion’s VantageScore 3. ”. | AUWhich credit bureaus banks check. In my experience, equifax is always lower than Transunion (mine is 40-50 points lower last I checked) Two different companies with two different products and methods of coming up with scores. Secured credit cards are a special type of card that requires a cash deposit to insure purchases made with the card. Equifax 54%. This model scoring scale starts at 300 (the lowest) and caps at 850. That's funny. Sponsored. Length of credit history: 15%. The main difference between Equifax and TransUnion is that each has their own proprietary method to calculate credit scores. Both Equifax and TransUnion have scores that range between 300 and 900 in Canada. We would like to show you a description here but the site won’t allow us. Credit Karma uses a different scoring system than the one mortgage lenders use. My Experian is looking pretty tidy. Why is Equifax lower than TransUnion? The lower Equifax number is a common concern for many people. 0 scoring model. These factors are likely to yield different credit scores, even if your credit reports are identical across the three credit. According to the company, FICO® scores are used today by 90% of top lenders to make lending decisions. High balances in comparison to credit limits can affect credit scores, and are a common reason for credit scores to fluctuate. Why is my Experian score lower than TransUnion and Equifax? This is due to a variety of factors, such as the many different credit score brands, score variations and score generations in commercial use at any given time. Why is Equifax lower than TransUnion? The lower Equifax number is a common concern for many people. Equifax credit scores are not used by lenders and creditors to assess consumers' creditworthiness. The other two only report the name of your employer and do not add any weight to that fact. Why is my TransUnion and Equifax score different? The reason that your Equifax score is lower than your TransUnion score is based on the fact that TransUnion adds personal information and employment data that is weighted into their model. The scores we provide are actual credit. 1/5 (66 votes) . I am and have been getting alerts from Myfico about a lot of changes in my TU and EX since the beginning of February. Some people want to achieve a score of 850, the highest credit score possible. Using a variety of factors, the company will give you a three digit score ranging from 300 (lowest possible) to 850 (highest possible). 6/5 ( 59 votes ) If you file a dispute regarding information on your Equifax credit report, you can generally expect to receive the results of the investigation within 30 days. Your credit report is a record of how you manage your money. Credit Report costs Rs. This model ranges from 300 to 850. You Might Have Scores From Different Dates. The Equifax is not a FICO score. One uses FICO Score 9 based on data in my Equifax credit file. The scores and credit report information on Credit Karma come from TransUnion and Equifax, two of the three major credit bureaus. One place to look is derogs. Financial Topics Life Stages TransUnion vs Equifax: How They Differ By Jacqueline DeMarco · June 06, 2023 · 6 minute read We’re here to help! First and. If your credit score dropped unexpectedly, there is a reason why and your credit reports will reveal the reason. In a Nutshell. VantageScore 3. An "official" credit report is the one that a lender pulls direct from equifax or transunion. "The most widely used credit scoring model is the FICO 8, which is used by the three largest credit bureaus, Equifax, Experian, & TransUnion (The Big Three). TransUnion uses a 7 year credit history while Equifax calculates it based on a time interval of 6 years and 9 months. A few hours later, my Equifax Vantage Score 3. Over the past couple of months, I have watched both my Experian and Equifax scores shoot up significantly, and yet my Transunion score has only gained a small few points, and actually dropped, even more. While they consider many (if not all) of the same factors when calculating your score,. In addition, TransUnion reports your employment history and personal information. Equifax, Experian and TransUnion are the three credit bureaus responsible for reporting your credit score. The other two only report the name of your employer and do not add any weight to that fact. While it is possible for you to have only one credit score, it's unusual. In this article, we’ll compare two of the major credit bureaus, TransUnion, and Equifax, and answer the question: which score matters more? Why is my Transunion score different. The above actions will provide the necessary details needed by TransUnion to recalculate your score using your new address details. As your score climbs through and above this range, you can benefit from the increased freedom and flexibility healthy credit brings. A good VantageScore lies between 661 and 780, which the company calls a “prime” credit tier. According to the TransUnion website, it was developed by all three national credit reporting companies (including Equifax and Experian) and is “more predictive, more consistent, and more stable than older models. Just remember that none of your free credit reports include your credit score. And a lender may report updates to different bureaus at different times. The other two only show one credit report and the name of your employer and do not add any weight to that fact. ClearScore gets your credit score and report from Equifax. 0 based on my TransUnion credit. Your score can then differ based on what bureau your credit report is pulled from since they don't all receive the same information. Delinquencies reported on a loan reported on one credit report, but not the others, is the most common reason why you'll see wide. This means that there is not only a clear 200 point difference between these two bureaus but the “perfect scores” are also different, which is 1000 as reported by Experian and 1200 as reported by Equifax. Equifax: 711. FICO provides a single-number credit score, while major credit bureaus like Equifax, Experian, and TransUnion (not covered in this article) offer a more detailed look at an. However being under 700 on one while being over 800 on the other is unusual. The credit scores and reports you see on Credit Karma should accurately reflect your credit information as reported by those bureaus. Length of credit history: 15%. Equifax Equifax scores range from 280 to 850. VantageScore was created in collaboration with all three credit bureaus, and VantageScore 3. FICO® Score 8 may punish numerous late payments more severely than previous versions. The only discrepancies that I see from my creditkarma report is transunion reports 3 inquiries (3 credit cards) while Equifax reports 1 (just my verizon wireless--soft pull I presume) and on transunion the only thing that is not showing up is a recent payment that I made on my Bank of America card that brought my utilization on that card from 99% (I. 5/5 ( 12 votes ) The reason that your Equifax score is lower than your TransUnion score is based on the fact that TransUnion adds personal information and employment data that is weighted into their model. Transunion Vs. VantageScore is the result of a collaboration between the three nationwide credit bureaus – Equifax, Experian and TransUnion. The other two only report the name of your employer and do not add any weight to that fact. 95 per month and include daily credit updates, recommendations, credit locks, monthly tips and more. It breaks down your credit history, management and behavior reported by lenders to the big three credit bureaus (Equifax, Experian and TransUnion) into an algorithm that creates your score. Editorial Note: Intuit Credit Karma receives compensation from third-party advertisers, but that doesn’t affect our. Your score can then differ based on what bureau your credit report is pulled from since they don't all receive the same information about. A “good” score may rest in the 661 – 720 range. In fact, there are several reasons why your scores from Experian, TransUnion and Equifax are typically different. Re: Transunion credit score is 35+ points lower than Experian and Equifax scores. This is why your credit score is so important, not only for credit approval but also for things like your credit limit and the terms of the loan. Also it is at least possible that this is simply a question of the different scoring algorithms computing a different score. Data Collected. These scores are not provided by Credit Karma. Different FICO models can produce very different scores. TransUnion and Equifax calculate credit scores differently. It was a Verizon account paid in a BK that was d/c 4/4/17. The reason that your Equifax score is lower than your TransUnion score is based on the fact that TransUnion adds personal information and employment data that is weighted into their model. This is mainly because of two reasons: For one, lenders may pull your credit from different credit bureaus, whether it is Experian, Equifax or TransUnion. Why is TransUnion so much lower than others? Equifax and TransUnion have different scores because slightly different information is reported to each credit reporting agency. Fiance's scores are 770 and 760 for Equifax and TransUnion respectively. Equifax and TransUnion are two of the most popular credit bureaus in Canada, and more and more people are seeking out their services as they go to apply for mortgages, loans, condo rentals, and. Even if the two bureaus received. 670-739 = Good. That applied to both individuals and family plans. The lower the number, the lower the individual’s credit rating. If you are a CIBC client and are using the bank’s mobile banking app, you can check your Equifax credit report for free online. Why is my TransUnion score 100 points lower than my Equifax? You might expect all of your credit reports and scores to be the same, but they are usually not. At first, VantageScore credit scores featured a different numerical scale (501 to 990). My Equifax Dispute. Not on the electoral register (due to a muck up in my local office but soon to be rectified) but that should push me up. If, for example, you pulled a copy of your Experian report and your lender is looking at your TransUnion report, the data may not. FICO, which is a U. Third parties use many different types of credit scores and. The Equifax credit score you receive from the Borrowell website is generated directly from Equifax and is called the Equifax Risk Score 2. Step 2. The reason that your Equifax score is lower than your TransUnion score is based on the fact that TransUnion adds personal information and employment data. We are Indianapolis’s only Licensed, Bonded & Insured full service credit consulting company, InCreditable Advisors, give us a call today and let us help you improve your credit at 317-202-1297 to schedule your appointment today. Why is my Equifax credit score 37 points lower than my Experian score, and 47 point lower than my Transunion score? I have compared all 3 of my credit reports. My Transunion score is in the tank though at around 567. These scores are not provided by Credit Karma. Each credit bureau will have a different credit score for each individual. 30% total debt. Yes, equifax and transunion from credit karma so vantage score 3. Why is my Equifax score much lower than TransUnion? The credit bureaus may have different information. Why is my TransUnion score lower than my Equifax? The credit bureaus may have different information. The other uses VantageScore 3. In contrast, TransUnion offers a free plan, as well as a subscription plan that costs $24. Poor: 300 to low 600s; Fair to good: Low 600s to mid 700s; As you can see in the examples above, Nate’s Experian FICO Score 9 was 25 points higher than his VantageScore from Transunion and 20 points higher than his VantageScore from Equifax. On Credit Karma, my score are 797 and 806 for TransUnion and Equifax. And even if a lender reports your credit information to both bureaus, they may do so on different dates, meaning your credit score could be up-to-date with one bureau and out. g. Re: Why is Experian so much higher? @C-XRS2005 wrote: only the one was from there, the other were from myfico. 580 to 669 (fair credit): Some lenders will work with consumers with fair credit. TransUnion TransUnion ranges from a low of 300 to a high of 850. My Transunion scores have always been the highest of the three. The other two only report the name of your employer and do not add any weight to that fact. Some report to all three. That's funny. There are a number of reasons for this. Available for free with monthly updates on Paisabazaar. 0 is between 720 and 780. com. Most of the time, scoring differences are not unusual because there are differences in the information on file at the credit bureaus. Why is my Equifax score lower than Experian? This is due to a variety of factors, such as the many different credit score brands, score variations and score generations in commercial use at any given time. Experian. 590 on Experian, 651 on Transunion, exact same information for both. Generally, anything over 556 is an acceptable credit score. This month I've had two statements reported on Feb. Good: 670 to 739. 95 per month. And a lender may report updates to different bureaus at different times. Equifax vs. For more information please visit us at and book an appointment today. The other two only report the name of your employer and do not add any weight to that fact. But remmember too that those scores are only about 7% apart. On the other hand, TransUnion’s CreditVision Risk Score looks at data over the past 24 months. If your credit file is different with each credit bureau, then your credit score might be different as well. In general, the higher your score, the better your chances of getting approved for credit cards or loans with more favorable terms, including lower interest rates and fees. 0 in July 2021 was 693. Balance changes, lower utilization, score increase, etc. Certain things are plus or minus out of 800 this is your score. 95 a month. Say you have a loan from a lender that only reports to TransUnion. Each company uses their own proprietary means. 164 (including taxes/handling charges). I painstakingly fixed my credit score after several years of lousy credit and monitor my score regularly through CreditWise from CapitalOne, which is based on TransUnion, and from USAA which uses Experian. VantageScore was created in collaboration with all three credit bureaus, and VantageScore 3. Vantage scores are fickle things, anything could make the score change, heck the weather might affect for all I know. It was developed by the three major consumer credit bureaus — Equifax, Experian and TransUnion — to create a “more predictive scoring model that is easy to understand. No searches, no defaults no nothing. 5 / 5 - Excellent #1 in Credit Reporting. This means that there is not only a clear 200 point difference between these two bureaus but the “perfect scores” are also different, which is 1000 as reported by Experian and 1200 as reported by Equifax. Score differences are very common and are usually the result of small variations of when information is reported and how it is weighted. TransUnion: Credit Rating. Variations in the data reported by creditors and lenders, as well as. If you have any credit accounts, such as credit cards or loans, you have a credit report. On the home page, click on "View All Products. I work at a credit union and can tell you we only report to Equifax and Experian. For example, a mortgage lender may look at a different credit score than your bank when they are deciding whether to grant a credit card or a new credit limit. FICO® Score 9 looks at medical debt, paid collections and rental history differently than previous versions of the FICO® credit-scoring models. . These factors are likely to yield different credit scores, even if your credit reports are identical across the three credit bureaus—which is also. Credit Karma offers even more interactive tools and resources than Experian to help you improve your credit scores and meet financial goals. Equifax 834, Transunion 900. 0). These factors are likely to yield different credit scores, even if your credit reports are identical across the three credit. “It was close to 730. Your student loans might affect your credit scores in several different ways. Because there are varied scoring models, you'll likely have different scores from different providers. The higher a score is on this scale, the better indication that the consumer poses a lower risk to creditors. The lower Equifax number is a common concern for many people. Why is my Experian score 100 points lower than TransUnion? If you have an installment loan that reports only to Experian, your Experian credit score may be very different Equifax and TransUnion. The other two only report the name of your employer and do not add any weight to that fact. ”. 0 adopted the same. Each of the three nationwide consumer reporting agencies (Equifax, TransUnion and Experian) might include different reported information such as your current credit limits and account balances, as well as information on certain public records like a bankruptcy. For more information please visit us at and book an appointment today. This is just to let the consumer. 0, which Credit Karma uses. That’s because most issuers report credit. com and my transunion fico score is WAY lower than my Equifax fico score. Depending on the date of your report, there could be slight differences in the score we have and the one Equifax has. This means that Equifax, Experian, and TransUnion don’t have access to exactly the same data, which accounts for the difference in credit scores. ERS 2. 740-799 = Very Good. It's just a list of your current outstanding loans, and if you're in good standing with them. But industry-focused FICO ® Scores range from 250 to 900, and VantageScores 1. 10% new credit. For example, let's say you're going to buy a house. TransUnion: Credit Rating. Some lenders only report to Experian or Equifax. Delinquencies reported on a loan reported on one credit report , but not the others, is the most common reason why you'll see wide credit score. FICO is a separate product issued by a separate company. It could be because of a high reported balance on a credit card account, a new application for credit, or a sign of identity theft. So if you don't see Equifax in. 0 credit score was lowered by 72 points. Why is my Experian score so much lower than credit karma? This is mainly because of two reasons: For one, lenders may pull your credit from different credit bureaus, whether it is Experian, Equifax or TransUnion. Here’s the short answer: The credit scores and reports you see on Credit Karma come directly from TransUnion and Equifax, two of the three major consumer credit bureaus. You also have an Equifax FICO® Score 8 and a TransUnion FICO® Score 8. So, it's possible that Equifax and TransUnion could have different credit information on your reports, which could lead to your TransUnion score differing from your. If you’re wondering why your Experian score is lower, you’re in the right place. The CRA each calculate their scores uniquely so they do tend to move differently for different things. FICO defines the following credit ranges based on FICO® Score 8 credit scores: Exceptional: 800+. Depending on what your scores are, you may wonder what they mean. It’s also important to note that credit scores are only sometimes 100% accurate and can vary. There are two main scoring systems: FICO – it was created in the 1950s and is used by mortgage lenders. When I asked the lender about this, they said my score was 670. TransUnion scores better than Equifax across: Plans and Pricing, Report Details and Frequency, Credit Bureau & Credit Scores, and Monitoring and Extra Features. If your total credit limit across all your cards were $10,000, you’d want to keep your total balances below $3,000 to limit the negative impact on your score. TransUnion provides the VantageScore 3. Q: I just checked my credit score and my TransUnion score is 20 points lower than the others. Or, if you have an account that is incorrectly reporting a late payment, then this will cause a huge hit to the payment history portion of your score. The most common scores range from 300 points to 850 points. Delinquencies reported on a loan reported on one credit report, but not the others, is the most common reason why you'll see wide credit score. FICO is used in about 90% of lending decisions. It could be because of a high reported balance on a credit card account, a new application for credit, or a sign of identity theft. Everyone’s ability to interpret information differently just makes it nebulous and less than useful for the consumer. Also the different credit bureaus do calculate the scores differently. Why is my Equifax score 100 points lower than TransUnion? If you have an installment loan that reports only to Experian, your Experian credit score may be very different Equifax and TransUnion. In fact, there are several reasons why your scores from Experian, TransUnion and Equifax are typically different. The scores may have different interpretations, a 600 from Equifax may be equivalent to a 700 from TransUnion. If it makes you feel better, most lenders don't even check them. Their behavior is governed by the FCRA. | Last update: February 9, 2022. In fact, 90% of lenders check FICO Scores rather than any other types of credit scores, though VantageScore is rapidly gaining popularity. Your Equifax credit score may be sometimes lower and sometimes higher than your TransUnion score for a variety of reasons, including: Each of Canada’s two major credit bureaus use different credit scoring models to establish your credit score and file. These factors are likely to yield different credit scores, even if your credit reports are identical across the. In fact, there are several reasons why your scores from Experian, TransUnion and Equifax are typically different. 4/5 ( 47 votes ) The lower Equifax number is a common concern for many people. 03-29-2007 08:24 PM. The reason that this score is lower than your TransUnion score is based on the fact that TransUnion adds personal information and employment data. Tackling those reasons will help improve your score along with practicing good credit behaviors. Even though the precise number of the ranges might vary, in practice, the differences aren't major: The higher your credit score, the better. Credit Score Range. I think this is due in part to (1) some of my inquiries hit only Equifax rather than TU, and (2) for some bizarre reason, Equifax isn't calculating my age of accounts (it says N/A or something like that), nor is it accurately reporting my credit limit. I just pulled my Transunion and Equifax FICO scores from myfico. Why is TransUnion credit score lower than Experian? This is due to a variety of factors, such as the many different credit score brands, score variations and score generations in commercial use at. Here’s the short answer: The credit scores and reports you see on Credit Karma come directly from TransUnion and Equifax, two of the three major consumer credit bureaus. Here are some reasons a score can drop: Using more of your available credit. The other two only report the name of your employer and do not add any weight to that fact. This may be a silly question but how come my Experian score is so much more different than my Equifax and Transunion scores? I get that they vary a little depending on the credit reporting company but my Experian score is drastically lower than the other two and I'm not sure why. Yes. Conversely consumers with lower FICO scores at bureau "A" will likely get low FICO Scores at the other two bureaus when the underlying data is the same across the bureaus. They use their own model now as per verbiage: "The Equifax ® Credit Score and 3-Bureau credit scores are each based on the Equifax Credit Score model, but calculated using the information in your Equifax, Experian and TransUnion credit files. These companies compile information about your credit into reports that are used to generate your credit scores. Score: 4. Why is my Experian score 100 points higher than TransUnion? If you have an installment loan that reports only to Experian, your Experian credit score may be very different Equifax and TransUnion. Equifax and TransUnion scores can only be as accurate as the information they receive. So, if you have a $4,000 credit limit, your balance should remain below $1,200. Hi, I use Credit Karma. Data Collected. A “good” score may rest in the 661 – 720 range. All consumers are entitled to one free. When the scores are significantly different across bureaus, it is likely the underlying data in the credit bureaus is different and thus driving that observed score. However, interest rates will be higher, and the loan amounts will often be lower. Would these all be the same? Not necessarily. The most likely explanation is that your three reports are not exactly the same, and that in particular there is something on the EX report that makes its score worse. Another invisible difference between these agencies is the data collected. FICO 8 is more. These are what you see when you look up your. Find The Best Credit Reporting. Similarly to. The average VantageScore 3. Good habits, such as making payments on-time and using less of your available credit, among others, can help you improve your credit health over time. Then you at least know the EQ and TU scores are FICO's. Help spot potential signs of ID theft with 3-bureau credit file monitoring; Control access to your Equifax credit report, with certain exceptions, with the freedom to lock and unlock it; Uncover potential threats to your identity with dark web scanning and alertsGo to TransUnion’s site and submit a new dispute.