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Trans Union Credit Bureau

A Trans Union credit report provides most of the same information as other types of credit reports. Business information providers like Trans Union credit bureau collect and organize information about an individual's credit and payment habits. The information is available to see it in the form of a credit bureau report. Lenders, employers and stores can look at your credit report to make a financial decision about you.

Your Trans Union credit bureau 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 dispute the data. 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 - your Trans Union credit report, or any other - 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 credit report:

  • Personal information

  • Credit history

  • Public records

  • Inquiries

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