A
Trans Union credit report provides most of the same information
as other types of credit reports. Business information providers
like TransUnion collect and organize information about an individual's
credit and payment habits. The information is available to see
it in the form of a Trans Union credit report. Lenders, employers
and stores can look at your Trans Union credit report to make
a financial decision about you.
Your
Trans Union credit report is one of the primary tools that
creditors use to make fair and accurate decisions on whether
or not to grant credit. Your Trans Union credit report is
a snapshot of your financial trustworthiness. That’s
why, if you feel that the information on your Trans Union
credit report is not accurate, you have the right to disput
the data.
The
Trans Union Credit Report
There
are two types of credit reports, a consumer version and a
business version.
Consumer
Version
You
are the only one who has access to the consumer version of
your Trans Union credit report. Creditors do not have access
to this version. A consumer version of a Trans Union credit
report lists all inquiries including promotional inquiries
and account management inquiries. Officials recommend that
you check your credit report like your Trans Union credit
report at least two times a year.
Business
Version
The
business version is an abbreviated version of the consumer
version. This is the Trans Union credit report that creditors
do see. The business version does not contain promotional
inquiries or account management inquires.
There
are 4 types of categories contained in each Trans Union credit
report: Personal Information, Credit History, Public Records,
and Inquiries. We recommend that you look at your Trans Union
credit report very carefully.
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