How To Get Your TransUnion FICO Score

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The number you view is a TransUnion FICO score only when the display includes the FICO® logo or wording such as 'TransUnion FICO® Score 8' (or 9, 10, etc.). If the label reads 'VantageScore 3.0' or 'VantageScore 4.0' without any FICO branding, you are looking at a VantageScore, not the TransUnion FICO score you need for most lenders. This distinction matters because lenders often request a specific TransUnion FICO version, and the scoring models calculate risk differently FICO vs. VantageScore comparison.

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On the MyFICO dashboard you will see a header like 'Your TransUnion FICO® Score 8' followed by the 300‑850 number; the same page will list any VantageScore results under a separate 'VantageScore' heading. A credit‑card monthly statement that says 'Your VantageScore 3.0 is 720' is a VantageScore example. When you log into the TransUnion consumer portal, the main screen reads 'Your TransUnion FICO® Score' and may note the version in parentheses. If you receive a free score from a bank, check the email or app screen for the FICO® word - absence of that term means it's likely a VantageScore.

Knowing which label you have lets you proceed confidently to the next step: 'Get your TransUnion FICO in 5 simple steps.'

You can get your TransUnion FICO score in five simple steps.

1. Pull your TransUnion credit report from AnnualCreditReport.com to confirm the bureau is listed.
2. Visit Buy a TransUnion FICO score at thecreditpeople.com and create a secure account.
3. Select the single‑bureau TransUnion FICO score product and complete the purchase.
4. Access your score instantly on the dashboard or via the confirmation email.
5. Save the score in a safe place and set up any monitoring alerts the service offers, then move on to correcting any report errors if needed.

Many banks and credit‑card issuers let you view your TransUnion FICO score at no charge, usually through the online dashboard or mobile app. Look for a 'Credit Score' or 'Free FICO' tab after you log in; you often need to be the primary account holder and have an active checking, savings, or credit‑card product. Some providers update the score monthly, others refresh it after every qualifying transaction. Below are the most common sources and the steps to claim the free score.

• Discover credit cards: offers a free TransUnion FICO 8 score on every card; log into Discover Online, select 'Credit Score' from the main menu, and view the score instantly.
• Chase credit cards: provides a free TransUnion FICO 8 score for Sapphire, Freedom and Ink cardholders; open the Chase Mobile app, tap 'Credit Score' under the 'More' tab, and your score appears.
• Citi credit cards: includes a free TransUnion FICO 8 score for select cards such as the Citi Premier; sign in to Citi Online, click 'My Account,' then 'Credit Score' to access it.
• USAA banking members: receive a free TransUnion FICO 8 score with a checking or savings account; navigate to the 'Financial Tools' section after logging in.
• SoFi members: get a free TransUnion FICO 8 score when you hold a SoFi Money or investment account; open the SoFi app, go to 'Credit Score' on the home screen.
• Navy Federal Credit Union: offers a free TransUnion FICO 8 score to active members; sign in to online banking and select 'Credit Score' from the dashboard menu.

If your bank or card does not list a TransUnion FICO score, they may provide a VantageScore instead - remember the two are not interchangeable. In those cases, consider the next section on purchasing a TransUnion FICO directly from MyFICO.

You can buy your TransUnion FICO score instantly on myFICO by creating an account, entering your Social Security number for verification, and selecting the 'TransUnion FICO® Score' product. Prices start at $19.95 for a one‑month subscription (which includes the score, a PDF report, and access to the credit‑score simulator); longer plans cost $39.95 for three months or $59.95 for a year, and all plans deliver the official score within minutes of purchase. Payment accepts major credit cards and PayPal, and the score appears on your myFICO dashboard for easy reference.

Buying directly from myFICO guarantees you receive the lender‑used TransUnion FICO score without third‑party markups, a point we'll benchmark in the next 'compare sources and costs' section. For a quick visual of the purchase page, see myFICO TransUnion FICO score purchase options.

Free options appear when you already hold a qualifying credit product. Capital One, Discover, and several major banks such as Wells Fargo online banking free FICO push a TransUnion FICO score to your account dashboard each month at no extra charge; the only requirement is an active, good‑standing account. Updates occur monthly, and you avoid any subscription fee.

Paid routes guarantee immediate, standalone access. MyFICO TransUnion FICO pricing sells a 30‑day single‑bureau lookup for $19.95 or a year‑long package for $39.95, which also includes Experian and Equifax scores. Other third‑party sites charge $10 - $15 per month for the same TransUnion FICO, often bundling credit‑monitoring alerts. These services deliver the score on demand, regardless of existing accounts.

Identify every inaccuracy on your TransUnion credit report and dispute it before you request your TransUnion FICO score. Clean data guarantees the score reflects your true credit behavior, not outdated or wrong entries.

• Pull the latest TransUnion report through the free annual‑credit‑report site or via your bank (see 'find free TransUnion FICO from your bank').
• Mark each error: late payment you never missed, account you don't recognize, wrong balance, or duplicated entry.
• Log onto the TransUnion dispute portal and upload supporting documents (payment receipts, closed‑account letters).
• Choose 'investigate' for each item; TransUnion must respond within 30 days.
• If a dispute is denied, request a 're‑investigation' and add a brief, factual note explaining why the original decision is incorrect.
• Track the investigation status in the portal; once corrected, download the updated report and verify the changes.

After the report shows only accurate accounts, proceed to the 'monitor your TransUnion FICO regularly without breaking the bank' section to keep the score clean over time.

• Use free credit‑monitoring tools that already give you your TransUnion FICO score, such as the score dashboard many banks (e.g., Chase, Citi) provide to cardholders at no charge.
• Sign up for a low‑cost monthly monitoring service that focuses solely on TransUnion; plans start around $5‑$7 and include real‑time alerts for score changes and new inquiries.
• Set up automatic email or app notifications so you see score shifts the moment they happen, letting you react before a drop hurts your borrowing power.
• Pair the monitoring tool with a free annual credit‑report request from AnnualCreditReport.com to spot and dispute errors that could lower your TransUnion FICO score.
• Keep the habit simple: check once a week, note the number, and adjust any credit‑building actions before the next billing cycle to protect your score without extra expense.

Your TransUnion FICO score differs from VantageScore or other bureau FICO scores because each scoring model applies a unique algorithm to the same credit data. Even when the underlying file is identical, TransUnion's FICO version weights payment history, credit utilization, and recent inquiries differently than VantageScore, and it may exclude or de‑emphasize certain account types that another model counts. Because the bureaus receive updates on different schedules, a recent loan or credit limit change can appear in one score today and in another a few days later, creating another source of variance.

These variations matter when you compare scores for loan applications or monitor progress. For example, TransUnion's FICO version might penalize a high‑balance credit card more heavily than Experian's version, while VantageScore could give extra credit for a newer utility account that TransUnion ignores. Understanding the specific FICO score factors explained helps you pinpoint why a low point appears in one report but not another.

Now that you know why the numbers diverge, the next step is to address any thin or missing TransUnion file, a topic we cover in the following section. Fixing gaps before you re‑check your score will reduce unexpected swings and give you a clearer picture of your true credit health.

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If TransUnion shows a thin or completely missing file, you can create a reportable credit history in just a few moves.

1. Pull
   

• Report the theft to TransUnion, place a fraud alert, and freeze your credit within 24 hours to protect your TransUnion FICO score.
• Call TransUnion's fraud line (1‑800‑916‑8800) to add a 90‑day fraud alert that forces lenders to verify your identity.
• Request a security freeze online or by phone; a freeze blocks all new inquiries on your TransUnion file until you lift it with a PIN.
• Get your free TransUnion credit report at TransUnion credit report page and dispute every unauthorized account or inquiry.
• File an Identity Theft Report with the FTC (FTC Identity Theft Report) and attach it to your disputes for faster resolution.
• Enroll in a monitoring service (see 'monitor your TransUnion FICO regularly without breaking the bank') to receive real‑time alerts on new activity.

Avoid common scams when getting your TransUnion FICO score by sticking to the official MyFICO portal or your bank's credit‑card dashboard, and by ignoring any email, text, or cold‑call that promises a 'free' score without first showing a sample report. Fake sites often mimic the MyFICO layout, use similar URLs, and demand payment before you see any numbers; these are phishing traps that harvest personal data.

Before you submit an application, verify the web address ends with official MyFICO site and that the page shows HTTPS security. Look for the TransUnion FICO score badge that matches the branding on the TransUnion consumer information page. If a caller claims they can 'fix' errors for a fee, hang up - error correction is free through TransUnion directly. Use only the sources described earlier, then move on to monitoring your TransUnion FICO score regularly without breaking the bank.