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Is TrueIdentity legit?

Valued Contributor

Is TrueIdentity legit?

https://www.transunion.com/product/trueidentity-free-identity-protection

 

Looks like it's free and lets you freeze TU on/off free. Is this true? Does it require a card to signup?

 

Thanks!


TU FICO 8: 750 (5/18) — Ex FICO 8: 751 (6/18)
Message 1 of 23
22 REPLIES
Established Contributor

Re: Is TrueIdentity legit?

I have been wondering the same.

Fell of the wagon -- Gardening starting again 2/25/18- ???
Message 2 of 23
Valued Member

Re: Is TrueIdentity legit?

Yes it is legit and completely free. Yes, you can freeze your TU account on and off. No card required to sign up. You get access to your TU report as well.

Starting Scores: TU: 598: EQ 542 EX: 604 (Aug 2015)
Current FICO Score: TU 08: 748 EQ 04: 754 EX 08 FICO: 768 as of 2/12/18
Goal Score: 760 FICO across the board



Message 3 of 23
Established Contributor

Re: Is TrueIdentity legit?

DaBadBoy does it lock it up just like a real freeze? Or is there a difference between the two?

Fell of the wagon -- Gardening starting again 2/25/18- ???
Message 4 of 23
Valued Member

Re: Is TrueIdentity legit?

There is a difference. "Credit Lock" appears to be a service offered by TU. This is seperate from the normal credit freeze you would put on your credit reports. 


Starting Scores: TU: 598: EQ 542 EX: 604 (Aug 2015)
Current FICO Score: TU 08: 748 EQ 04: 754 EX 08 FICO: 768 as of 2/12/18
Goal Score: 760 FICO across the board



Message 5 of 23
Regular Contributor

Re: Is TrueIdentity legit?

The lock feature doesn't seem to work for me at this moment :/ Though, it seems to have free ID Theft Insurance for up to $25,000, which is nice, I guess.


EX FICO 8 - 797 (5/18) | TU FICO 8 - 800 (5/18) | EQ FICO 9 - 838 (5/18)
Message 6 of 23
Regular Contributor

Re: Is TrueIdentity legit?

If lock is not working, you may have a split file, I'd call TU to fix it.
Current Scores as of 8/18/17 all FICO 8 EQ: 695 EX: 673 *fico2 699 TU:645 bio has more.
Message 7 of 23
Regular Contributor

Re: Is TrueIdentity legit?

I signed up and appears to be working. To lock your TU; on the Dashboard page, scroll down to the Membership Benefits area and click "GO" next to Credit Lock and lock from there. You will receive notifications from other services you may use that it has been locked (wallet hub, credit karma) so that you know it worked. 

 

 

Amex Blue Cash Preferred | Capital One Quicksilver | Capital One Venture | Chase Freedom | Chase IHG | Discover It | Total CL $83,700 | In The Garden since October 2017
Message 8 of 23
Contributor

Re: Is TrueIdentity legit?

i signed up about three days ago. Seems to be working. My Creditwise app from Cap1 alerted me that there is a security freeze on my Transunion report after I set it to locked. And yes it is free.

If you build it, they will come.




Amex BCE | Amex ED | Citibank DC | Discover IT | BofA Rewards | Capital One QS | Amazon Prime VS | Wells Fargo Platinum
Message 9 of 23
Valued Member

Re: Is TrueIdentity legit?

The freeze works for me as well. I was alerted there was a freeze on my TU account via one of my credit monitoring services as well.

Starting Scores: TU: 598: EQ 542 EX: 604 (Aug 2015)
Current FICO Score: TU 08: 748 EQ 04: 754 EX 08 FICO: 768 as of 2/12/18
Goal Score: 760 FICO across the board



Message 10 of 23