Credote vs TransUnion Business

Discover why growing businesses choose Credote's free, inclusive platform over TransUnion's established-business-only model and manual processes.

Credote

Inclusive & Modern

  • 100% free platform
  • Freelancer-friendly (all business types)
  • Public visibility - searchable by all
  • Instant payment processing
  • Real-time dispute resolution

TransUnion Business

Growing Bureau

  • $75-200/month subscription fees
  • Established businesses only
  • Subscriber access only
  • Manual payment processes
  • Lengthy dispute resolution

Comprehensive Feature Analysis

Pricing & Business Access

Feature
Credote
TransUnion Business
Monthly Subscription
$0 - Always Free
$75-200/month
Business Type Requirements
All types (freelancers, SMBs, enterprises)
Established businesses only
Minimum Requirements
None - instant access
Business history, revenue minimums
Annual Cost
$0 Total
$900-2,400/year

Platform & Technology

Feature
Credote
TransUnion Business
User Interface
Modern, mobile-optimized
Traditional, desktop-focused
Mobile Experience
Fully responsive design
Limited mobile functionality
Setup Time
5 minutes - instant access
1-2 weeks approval process
API Access
Modern REST API
Available (additional cost)

Visibility & Impact

Feature
Credote
TransUnion Business
Public Access
Open to everyone
Subscribers only
Search Engine Indexing
Google, Bing, ChatGPT indexed
Not publicly searchable
Customer Impact
Customers see payment defaults
Limited public visibility
Supplier Access
Free supplier checks
Requires paid subscription

Payment & Resolution

Feature
Credote
TransUnion Business
Payment Processing
Built-in Stripe integration
No payment processing
Default Resolution
Instant upon payment
Manual process (days/weeks)
Dispute Resolution
24-48 hours
1-3 weeks typical
Payment Success Rate
87% pay within 7 days
Reporting only, no facilitation

Why Businesses Choose Credote Over TransUnion

Freelancer Welcome

"TransUnion rejected our application because we're a freelance consultancy. Credote welcomed us immediately and our credit reports are comprehensive."

Access: Instant vs rejected applications

Major Savings

"We were quoted $150/month for TransUnion's business plan. Credote gives us everything we need for free, plus better visibility."

Savings: $900-2,400 per year

Faster Results

"TransUnion's manual processes took weeks. Credote's automated system gets us payments in days, not months."

Speed: Days vs weeks for resolution

TransUnion Business Limitations

Established Business Focus

  • Requires business history and established credit
  • Rejects freelancers and new businesses
  • Minimum revenue requirements
  • 1-2 week approval process

Expensive Subscription Model

  • $75-200/month depending on features
  • Additional fees for API access
  • Setup and activation costs
  • Annual contracts with penalties

Limited Public Impact

  • Information only available to subscribers
  • Not indexed by search engines
  • Limited pressure on non-paying businesses
  • Customers can't see payment defaults

Manual Processes

  • No built-in payment processing
  • Manual dispute resolution (1-3 weeks)
  • No automatic default resolution
  • Traditional, outdated interfaces

Choose Inclusive Credit Reporting

Why pay $900-2,400/year and risk rejection when Credote welcomes all businesses for free? Join thousands of freelancers and SMBs getting better results.

File Default - FREEGet Credit Report - FREE

No Business Requirements: Unlike TransUnion, we don't require established credit or minimum revenue. All business types welcome.