TransUnion VS Equifax VS Experian: A Guide To The Major Credit Reporting Bureaus

Equifax offers basic credit report and credit score services, as well as a free credit lock service.

• Core Credit: Free plan offering basics with a monthly credit score and report.
• Credit Monitor: $4.95/month. Includes credit report/score monitoring and the Equifax credit report lock.
• Complete: $9.95/month. Includes automatic fraud alerts, identity restoration services, and up to $500k identity theft insurance.

Equifax offers a number of products to help you manage your small business. They no longer advertise pricing for their business services on their website, so we can assume that offer a custom quote-based pricing model.

Equifax’s range from customer acquisition to risk mitigation to credit monitoring to fraud prevention and more.

Experian offers personal credit monitoring and identity protection products as well as loan matching and credit card matching services.

• Basic: Free plan. Includes free Experian credit report and FICO score, credit monitoring and alerts, FICO Score tracker, and FICO Score monitoring.
• Premium: $24.99/month after 7-day free trial. Includes advanced identity theft monitoring, monthly privacy scans, and 3-bureau credit monitoring and alerts.
• Family: $34.99/month after 7-day free trial. Includes a Premium plan for one additional adult and identity monitoring for up to 10 children.

Experian offers the following plans for business credit services.

• CreditScore Report: $39.95/report. Includes one-time view of the scored report, Intelliscore and Financial Stability Risk Rating, a summary of credit and business information, and summary of financial payment information.
• ProfilePlus Report: $49.95/report. Includes detailed credit and business information, detailed financial payment information, and in-depth credit history with trades.
• Valuation Report: $99/report. Includes business value calculation, cost-effective assembly multi-page report, Key Performance Indicators, and business fair market value.
• Business Credit Advantage: $189 annually. Includes unlimited access to review updates, Intelliscore and Financial Stability Risk Rating with tracking and improvement tips, Real-time change alerts, identity of reported accounts, easy dispute process and tacking, free Dark Web surveillance, lending details seen by banks, and your industry benchmark score.

In addition, Experian offers other business services ranging from tenant screening to customer acquisition.

TransUnion offers basic credit report and credit score products, as well as a free credit monitoring and identity theft service.

• Credit Monitoring: $29.95/month. Includes access to unlimited TransUnion credit report and score views, as well as credit lock/unlock, credit change alerts, and a score trending and score simulator tool.
• TrueIdentity: Free credit monitoring and identity theft protection. Includes unlimited TransUnion credit reports, alerts to critical credit information changes, and an easy-to-use credit lock service.

TransUnion offers quote-based pricing for business credit scores.

In addition, TransUnion offers marketing, fraud detection, healthcare revenue protection, customer acquisition, and more services to help your business thrive.

Each credit bureau–and creditor–has its own way of calculating your credit score based on the information in your credit report. Because the information in your credit report differs by agency, and they calculate scores differently, your score will vary.

Credit reporting agencies have been subject to data breaches in the past few years.

To ensure your information isn’t being used by somebody else, we recommend monitoring your credit reports by requesting your annual free credit report from each of the three major credit bureaus, as well as keeping tabs on your accounts via a free credit score service.