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Enjoy these benefits by regularly reviewing your TransUnion Credit Report:
Make sure your credit report is accurate and up to date.
Know what is being reported about you by your credit providers.
Learn which credit providers have reviewed your credit report.
Spot potential identity theft and credit fraud early.
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A credit report is a record of a consumer's credit history. A good credit history can enable you to obtain credit and take advantage of a wide range of opportunities. You can see why your credit report is one of your best resources in managing your finances and financial health. A TransUnion Credit Report reflects important information from your credit providers that are TransUnion clients, such as banks and finance companies. Public records are another source of information. Businesses that are TransUnion clients are able to obtain this information (with consumer consent). This allows them to make fast and informed, reliable and objective decisions. It also enables them to approve loans and give credit to you within minutes. Your credit history may include the following: Account histories of your bill-paying record with credit grantors Public records of items that may affect your creditworthiness Enquiries, which list the companies that have requested your credit history Anyone with a credit card or consumer loan should check their credit report regularly. TransUnion makes it easy and convenient to review and manage your credit report. |
Q What is a credit history? A Your credit history is an objective statement about your credit activity used by lenders to determine if you’re a good credit risk. It contains information reported by companies who do business with you or have granted you credit. Q What information is included in my credit history? A Information may vary by country, but a typical credit history includes several sections:
Q How do lenders use a credit history? A Here’s an example of how a credit history may be used:
A As an impartial third party, we do not create or change any of the information in our reports. We simply collect data from established creditors such as banks, utility companies and telephone companies who report your payment history to TransUnion. We receive updates each month and work hard to ensure that accurate and current information is reported. Q What is a credit score? A In addition to your credit history, some lenders use a credit score to measure the likelihood that you will repay your loan. A credit score is generated by a mathematical formula that uses data from a TransUnion credit history. Lenders have been using credit scores as part of the lending-decision process for more than 20 years. They are widely used in South Africa, Namibia, Botswana, Swaziland, and many other countries around the world. Q Who has access to my credit history? A You may access your personal credit history and authorize others to view your credit history. These parties may include companies that are extending you credit or with whom you are entering a legal relationship, such as signing a contract or opening a bank account. Q Who grants or denies my application for credit? A Each lender has its own criteria and procedures for granting credit. TransUnion does not make the decision to grant or deny credit. Q How long does negative information stay on my credit history? A We follow international best practice with regards to data retention rules. See Related Topics at the right or contact your local TransUnion office for more information. Q What if inaccurate information is reported on my credit history? A You can request that inaccuracies be corrected at your local TransUnion office. Our representatives can help you work with lenders to identify mistakes and update your credit information. Keep in mind that TransUnion objectively reports all credit history information. We only maintain and report the information provided to us. We do not create any information on any credit histories. Q How can I improve my credit history? A Routine reviews of your TransUnion credit history are part of maintaining good credit. It’s important to correct any inaccuracies and pay your bills on time to get the best results from your credit history. Q Why should I review my credit report? A There are four important reasons:
A You can review your credit history by visiting your local TransUnion office. We will be happy to assist you with your questions. |
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