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Trans Union Credit Report

A Trans Union credit report provides your financial information in a formatted an easy to read layout. Trans Union has been providing a Trans Union credit report for over 30 years. The Trans Union credit report provides your detailed financial history. Your Trans Union credit report also provides your credit score with is an objective summary of that information. The credit score in your Trans Union credit report represents your creditworthiness as a number.

Numerical weights are placed on different aspects of your Trans Union credit report and a mathematical formula or computation is used to arrive at a final score. There are literally thousands of score models used in the credit industry which consider different variables for different types of credit. Credit bureaus offer several different types of scores in their product portfolio, appealing to the vast array of creditors and credit applications in the country.

There are two types of Trans Union credit reports according to their web site: a consumer version and a business version of the Trans Union credit report.

A consumer version of a Trans Union credit report lists all inquiries, including promotional inquiries and account management inquiries. Only the consumer can access this version of their Trans Union credit report. Creditors do not have access to this version.

A business version of a Trans Union credit report is an abbreviated version of the consumer version. The business version does not contain promotional inquiries or account management inquiries.

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