How Much Does TransUnion Credit Monitoring Cost?

TransUnion currently offers three paid monitoring options with clear month‑and‑year rates. We'll detail the exact cost of each plan before exploring what they include.

• TrueIdentity Premium - $19.95 per month or $199 per year when billed annually.
• SmartMove - $12.95 per month or $129 per year with annual billing.
• TransUnion Credit Monitoring (basic) - $9.95 per month, no annual discount option.

For the latest official figures, see the TransUnion credit monitoring pricing page.

TransUnion offers two subscription tiers: TransUnion Credit Monitoring Basic and TransUnion Credit Monitoring Premium, each with its own feature set.

• TransUnion Credit Monitoring Basic -  $19.99 per month or $199.99 per year (prices shown as of the article's publication date)
  • Monthly update of your TransUnion VantageScore 3.0
  • Online dashboard and mobile app access to your full credit report
  • Email and push‑notification fraud alerts for new inquiries or accounts
  • Ability to lock or unlock your credit (available as a separate add‑on)
• TransUnion Credit Monitoring Premium -  $29.99 per month or $299.99 per year (prices shown as of the article's publication date)
  • Real‑time alerts for inquiries, new accounts, address changes, and public‑record updates
  • Weekly score snapshots in addition to the monthly update
  • Unlimited report access through the portal and app
  • Identity‑theft restoration assistance with up to $1 million coverage
  • Credit lock included at no extra charge

Both plans provide a secure online dashboard, email notifications, and mobile push alerts; the Premium tier simply delivers them instantly and adds identity‑theft protection and an integrated credit‑lock feature. For the exact feature list and any regional pricing variations, see the official TransUnion credit monitoring page.

TransUnion credit monitoring offers both monthly and annual payment options, and the annual plans lock in a discount compared with paying month‑by‑month.

Monthly, TrueIdentity Premium costs $49.99 per month and SmartMove costs $13.99 per month; each plan bills automatically on the same calendar date and you can cancel at any time without penalty (TransUnion pricing page).

Annual, TrueIdentity Premium is $399 per year (a $199 saving, about 33 % off the monthly rate) and SmartMove is $119 per year (a $47 saving, roughly 28 % off the monthly rate); you pay once up front, lock in the lower price for twelve months, and avoid the month‑to‑month price increase.

TransUnion sells CreditLock and Identity Restoration as separate add‑ons that you can attach to any monitoring plan.

• TransUnion CreditLock - $9.95 per month or $99 per year; instantly freezes and unfreezes your TransUnion file from the dashboard.
• Identity Restoration service - $19.95 per month or $199 per year; provides a dedicated case manager, expense reimbursement and full claim handling after a breach.

Both add‑ons work with TrueIdentity Premium, SmartMove and the basic monitoring tier, and annual billing locks in the lower rate.

TransUnion credit monitoring lets you extend the TrueIdentity Premium plan to up to four additional users for $9.99 per extra member each month (or $99 per extra member annually). The primary account stays at $24.99/month (or $199/year), so a couple can protect both profiles for $34.98/month or $298/year. This add‑on mirrors every feature of the base plan - credit‑score alerts, identity‑theft monitoring, and credit‑lock access - so each family member receives the full suite.

SmartMove, TransUnion's rental‑screening service, remains a single‑user product; it does not support the multi‑user pricing model. If you prefer to bundle several household members, stick with TrueIdentity Premium's family option. For the exact current rates and to add users, see the TransUnion TrueIdentity pricing page.

TransUnion offers a 30‑day free trial for both TrueIdentity Premium and SmartMove to any U.S. resident 18 years or older who provides a valid payment method.

1. Register on the TransUnion free‑trial page; the trial starts immediately and includes full access to alerts, credit‑lock and identity‑theft tools.
2. No credit check is required; the only prerequisite is a billing card to prevent service interruption after the trial.
3. The trial automatically converts to a paid subscription on day 31 unless you cancel.
4. Cancel before the 30th day by logging into your account, selecting Settings → Cancel Subscription, or by calling TransUnion's support line; cancellation is processed instantly and you retain access until the trial ends.
5. After the trial, any cancellation triggers billing for the next full period; TransUnion does not issue prorated refunds.
6. Only one free trial is allowed per household or payment method; additional attempts require a new, distinct account.

TransUnion credit monitoring lists its base rates up front - TrueIdentity Premium runs $39.99 per month (or $29.99 per month when you commit to a yearly plan) and SmartMove costs $14.95 per month - but any extra service you opt‑in to will appear as a separate line item on your bill.

Common add‑ons include Credit Lock at $5 per month, Identity Restoration at $9.99 per incident, and expedited fraud‑alert processing for $4 each time you request it; none of these are bundled with the core plans and they were all broken out in the 'add‑on pricing for credit lock and ID restoration' section.

Watch for automatic renewal fees and one‑time activation charges that can pop up after a free‑trial period ends; they're easy to miss if you don't review the billing statement each cycle. The next section shows how family and multi‑user options can spread those costs across several members, potentially offsetting hidden charges. TransUnion credit monitoring pricing details

• Choose annual billing for TrueIdentity Premium; the monthly rate drops from $29.95 to $24.99.
• Switch to the TrueIdentity Premium Family plan, which covers up to four users for a single fee and costs less per person than separate individual plans.
• Cancel any optional add‑ons (Credit Lock, ID Restoration, etc.) you don't actively use before the next billing cycle.
• Apply any limited‑time promo code or discount posted on the TransUnion credit monitoring pricing page.
• Start with the 30‑day free trial, then let it expire if you decide you don't need ongoing monitoring.
• Do not substitute SmartMove for personal monitoring; it's a landlord‑screening service and won't reduce your personal bill.

Yes, you're better off buying TransUnion credit monitoring when you want the full suite of identity‑theft protection - real‑time alerts, credit lock, and free restoration assistance - that the free 'basic' view doesn't provide. TrueIdentity Premium ($19.95 /mo or $199 /yr) and SmartMove ($9.95 /mo or $99 /yr) both include these tools, so the incremental cost translates into tangible safety nets.

If the price fits your budget, the added features often outweigh the expense, especially compared with the limited alerts described in the 'what each plan actually includes' section. The next part will show how those costs stack up against Experian and Equifax, helping you decide if TransUnion's premium is truly worth it. TransUnion TrueIdentity Premium pricing

TransUnion credit monitoring, Experian CreditWorks Premium, and Equifax Complete all bundle credit‑score updates, fraud alerts, and identity‑theft tools, but their price tags differ.

For a single adult in 2025, TransUnion's TrueIdentity Premium costs $29.99 per month or $299 annually, Experian's CreditWorks Premium runs $24.99 per month or $239 per year, and Equifax Complete is $19.99 monthly or $199 yearly. All three plans charge the same extra fee for a credit‑lock add‑on ($5 / mo) and the same $9.99 / mo for ID‑restoration services. Choosing an annual subscription saves $20‑$30 compared with month‑to‑month billing across the three bureaus.

If you're looking for a low‑cost alternative to TransUnion credit monitoring, thecreditpeople.com offers a full‑suite service at $9.99 per month that includes credit‑lock, real‑time alerts, identity‑theft restoration and coverage of all three bureaus, which undercuts TransUnion's TrueIdentity Premium ($24.99 per month) and SmartMove ($18.99 per month);

the plan also provides a free 30‑day trial and no long‑term contract, making it a practical option before you decide whether a TransUnion subscription fits your budget, as we'll explore in the next section on comparing TransUnion costs to Experian and Equifax.The Credit People low‑cost monitoring service