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Presentation1.pptx

  1. 1. Decoding of TransUnion Credit Report
  2. 2. TransUnion is credit reporting agency which report individual credit score based on current & previous payment history, credit inquiries etc. TransUnion credit score are used by financial institution to judge the credit worthiness of an individual. TransUnion credit report is divided in to five major section. Personal Information Public Records Account Information Regular Inquiries Consumer Statement
  3. 3. 1) Personal Information Credit report contains information about an individual’s name, Social Security Number (SSN), DOB, current and previous address of an individual, phone number and current employer detailed.
  4. 4. 2) Public Records Another section gives details about any legal action against an individual. This section gives us details about court in which legal case is running on, Docket number (Legal case number), Type of case, date when case was filled, current address of an individual, responsibility and estimated month and year when this case will be removed along with plaintiff attorney details.
  5. 5. 3) Account section This section gives us details about credit records, credit history of an individual, any adverse credit account or satisfactory accounts and credit rating. Financial institutions /Individual can fetch the information about name of lender, account number, current balance, Monthly instalment, pay status, loan type, last payment date, payment received, account type, credit limit and rating to know about any delay in payment in past 30, 60 or 90 days Let’s have a look on an account with adverse and satisfactory information along with collection account
  6. 6. Accounts with Adverse Information 30days late payment recorded in the month of April 2021
  7. 7. Account with Satisfactory payment Satisfactory payment booked from Jan- June 2021
  8. 8. Collections
  9. 9. 4) Inquiries This section gives information about any inquiries about an individual, name of company/ bank who made request, date requested etc.
  10. 10. 5) Consumer Statement This section gives information about reason behind individual statement about late payment.

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