Credit Reporting

TransUnion Credit Reports provide full-file data. This means that both positive and negative data are contributed and reported. (The amount of positive data available can vary by market.) This can allow a more complete view of a consumer’s credit history and improve your ability to make more objective decisions.

Credit reports may include the following types of information:

• Consumer information such as ID number, name and some social-demographic information
• Consumer statement, which is a brief explanation of items contained in the credit history if data is disputed by the consumer
• Account histories, which include the consumer’s history of paying bills with credit grantors
• Public records such as bankruptcies, tax liens, court judgments and other publicly available information about items that may affect creditworthiness. (The specific types of information available can vary by market.)
• Inquiries, or the names of companies that have requested the consumer’s credit history

  When you have access to better information about your customers and prospects, you can make better decisions. You can acquire more customers and retain your most valuable customers. You can better manage risk at the same time.

  Information is provided and shared by TransUnion clients. Each institution is committed to maintaining data accuracy by regularly reporting and updating account information.

  TransUnion believes in providing full-file data, which means that both positive and negative data are contributed and reported. (The amount of positive data available can vary by market.) Full-file data can allow a more thorough view of consumers for more objective decisions.