Comparison

Check & Monitor Your Credit Report and Credit Score | Equifax vs TransUnion

Check & Monitor Your Credit Report and Credit Score | Equifax and TransUnion both land on Depends.

Check & Monitor Your Credit Report and Credit Score | Equifax

Depends

Confidence: Low

Pay only if you want automated alerts and identity-theft monitoring; for a one-off check, request your free Equifax disclosure instead.

Depends

Confidence: Medium

Consumers: use the free reports and credit freeze, but do not pay for the monitoring subscription . users say free rivals do it better.

Check & Monitor Your Credit Report and Credit Score | Equifax versus TransUnion
Compare	Check & Monitor Your Credit Report and Credit Score \| Equifax	TransUnion
Verdict	Depends	Depends
Best for	Canadians applying for a mortgage or loan	Lenders and banks pulling credit
Who it's not for	Anyone wanting a one-time look . free disclosure covers it	Anyone considering a paid monitoring subscription
Privacy	Historical 2017 Apache Struts breach widely referenced; current personal products are credit data, not security software.^³	Breached in 2025: 4.4M+ customers exposed via third-party API; prior ransomware-linked leak also reported.¹⁴
Support quality	Phone line exists but reaching people is a known pain	Among most consumer-complained-about financial firms
Public sentiment	No structured review data exists; scattered Facebook posts describe frustrating, slow credit-report disputes.^⁶	Users value the free reports but routinely complain about support, disputes, subscriptions, and site usability.¹¹
Biggest gotcha	2017 Apache Struts breach (CVE-2017) still referenced in security discussions^³	Paid monitoring adds little over free services like Borrowell, per users.¹⁶