topic Changes are coming to your TransUnion Account in Credit in the News

Changes are coming to your TransUnion Account

Saleen099 — Mon, 25 Nov 2024 23:38:47 GMT

A few things to keep in mind:

You do not need to take any action at this time to access your improved account experience. Once your improved experience is live, you will get a notification and links to login and access your account. You will also be notified in advance of your account upgrade with more details about your account features, FAQs and actions you can take.

The improved experience will include additional features like a better user experience, daily reports and scores, personalized credit offers plus much more. However, some existing features that your current membership may have had access to will be discontinued.

In particular, credit lock features will be discontinued. To summarize the deactivation:

Equifax Credit Lock: This feature will be deactivated in all TransUnion accounts by January 31, 2025. If you have an active lock on your Equifax credit file at the time of deactivation, it will remain locked for your protection until you replace it with a credit freeze on Equifax’s website. You can also give their customer support team a call at (888) 378-4329.
TransUnion Credit Lock: This feature will be deactivated when your improved account experience is live, in the first half of 2025. You will receive notifications with a firm date at least 30 days in advance of deactivation. The updated experience will allow direct access to replace your Credit Lock with a Credit Freeze. To learn more about a Credit Freeze click here.

Re: Changes are coming to your TransUnion Account

Varsity_Lu — Tue, 26 Nov 2024 01:51:44 GMT

Are you talking about changes to a paid TU account? My free TU account gets me almost nothing. I can freeze my TU report and that's about it.

Re: Changes are coming to your TransUnion Account

DoppelgangerD — Tue, 26 Nov 2024 02:07:35 GMT

Yeah, when only 1 in 1,000,000 people use "Credit Lock" because freezing your credit is free by law, it's not surprising to see it go.

Most of the other text isn't very informative though.

It didn't specify if "daily reports and scores" are free or not.

A free FICO score would be nice, but I doubt that's going to happen, lol.

A TU app would also be nice, but no mention of that either, and if it was coming, i'd think they would mention it.

TU has always been my least fave of the bureaus though.

There was a bogus collection on my report that took them 2 years to remove it, despite having proof it wasn't valid.

Long story short, I paid a family friend (legal attorney) to draft a threatening letter along with the proof, and then magically it was removed from my report within a week.

Re: Changes are coming to your TransUnion Account

Windchill92 — Thu, 28 Nov 2024 01:09:25 GMT

I wish the CRAs would cut their CreditLock or whatever their name-brand BS "product" is b/c it's intentionally confusing.

After I got the EX app, took me at least 5 minutes to find where to freeze my file after hitting their "Lock" thing several times. Designed for the gullible and ill-informed, I guess...

Re: Changes are coming to your TransUnion Account

IsambardPrince — Fri, 29 Nov 2024 02:10:41 GMT

@DoppelgangerD wrote:
Yeah, when only 1 in 1,000,000 people use "Credit Lock" because freezing your credit is free by law, it's not surprising to see it go.

Most of the other text isn't very informative though.
It didn't specify if "daily reports and scores" are free or not.
A free FICO score would be nice, but I doubt that's going to happen, lol.
A TU app would also be nice, but no mention of that either, and if it was coming, i'd think they would mention it.

TU has always been my least fave of the bureaus though.
There was a bogus collection on my report that took them 2 years to remove it, despite having proof it wasn't valid.
Long story short, I paid a family friend (legal attorney) to draft a threatening letter along with the proof, and then magically it was removed from my report within a week.

They figured they could create a murky sounding feature that wasn't free and trick people into paying for it, and I think that was the big difference.

Re: Changes are coming to your TransUnion Account

Thomas_Thumb — Fri, 29 Nov 2024 22:25:47 GMT

@Saleen099 wrote:
A few things to keep in mind:

You do not need to take any action at this time to access your improved account experience. Once your improved experience is live, you will get a notification and links to login and access your account. You will also be notified in advance of your account upgrade with more details about your account features, FAQs and actions you can take.

The improved experience will include additional features like a better user experience, daily reports and scores, personalized credit offers plus much more. However, some existing features that your current membership may have had access to will be discontinued.

In particular, credit lock features will be discontinued. To summarize the deactivation:
Equifax Credit Lock: This feature will be deactivated in all TransUnion accounts by January 31, 2025. If you have an active lock on your Equifax credit file at the time of deactivation, it will remain locked for your protection until you replace it with a credit freeze on Equifax’s website. You can also give their customer support team a call at (888) 378-4329.
TransUnion Credit Lock: This feature will be deactivated when your improved account experience is live, in the first half of 2025. You will receive notifications with a firm date at least 30 days in advance of deactivation. The updated experience will allow direct access to replace your Credit Lock with a Credit Freeze. To learn more about a Credit Freeze click here.

Thanks for the info.

I always use the credit freeze feature as it is an easy to use free feature when an account is established with any of the CRAs.