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. 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. 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. 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. Accounts with Adverse Information
30days late payment
recorded in the
month of April 2021