What is a good TransUnion® credit score?

TransUnion® is one of the major credit reporting agencies in the United States. It is not a credit scoring company. It uses a credit scoring model that calculates your credit score based on the information in your TransUnion credit report. There are two main companies that are widely used for credit scoring: FICO® and VantageScore®. Different credit bureaus may use different credit scoring systems.

TransUnion creates or compiles your credit report based on information about your credit activity that it receives from lenders where you have active credit accounts: credit card companies, car dealerships, mortgage loan lenders, etc.

TransUnion uses VantageScore, more specifically the VantageScore 3.0 version. So, what you may think is your TransUnion score is really VantageScore. Both FICO and VantageScore scoring models use a range of 300-850 to calculate your credit score. But, the individual category ranges are slightly different.

With VantageScore, the range for a good credit score falls between 661-780. So, if you want to build your TransUnion credit score, follow the credit scoring model range of VantageScore.