TransUnion is a consumer reporting agency that is part of the larger Equifax. The information in TransUnion’s credit reports includes your personal information such as name, address, social security number, telephone number, date of birth, as well as any criminal history you may have in the United States. This report can also contain a detailed report about your spouse. TransUnion provides this information free of charge to each consumer as well as to business clients.
The information contained in your TransUnion credit report is considered by the Fair Credit Reporting Act to be confidential and protected by the Federal Trade Commission. You are entitled to see your TransUnion credit report once per year as long as it has not been reported as inaccurate. You will want to check your TransUnion credit report before you make any purchase online or at your local bank or store.
A TransUnion credit report contains your credit rating as well as any other pertinent information about you that has been recorded by the company. It can also provide details on any new accounts that you have opened, whether or not you are a collector or a payee, or the balances of any existing accounts. This type of report can provide even more information than what is provided by a consumer credit report. By reviewing TransUnion’s credit report you can make an informed decision as to whether or not to purchase one of their products.
On occasion, TransUnion will offer a consumer credit report for free, but the credit service may only be limited to your city and state. When a consumer obtains a free credit report from a credit agency, this information will remain confidential and not be considered part of a person’s permanent file.
Many consumers now have the option of obtaining their TransUnion credit report through online sources. These reports will usually contain just the same information that is listed in your local credit report. These reports can often be much more comprehensive and detailed than the ones offered by your local banks. The report will have your name, address, cell phone number, as well as the account numbers associated with your accounts.
While many banks are very straightforward about posting and disclosing your credit information, some, like the ones offered by TransUnion, may not be so forthcoming. TransUnion does not usually share this information with the general public, which can cause a problem if you need to obtain credit in the future. A report from a private credit agency can usually be accessed without a credit card. When looking at a TransUnion credit report for free, you should expect to receive an introductory offer as well as the details of your free annual report.
Your TransUnion credit report will contain details of any accounts that you open as well as accounts that you close down or have paid off. In the case of a customer service agent or for those that are contemplating purchasing a TransUnion product or service, you will also receive an individual statement of account from them.