A TransUnion credit report is a detailed record of your financial history, used by lenders, employers, and landlords to assess your creditworthiness. It contains data provided by creditors—such as banks and credit unions—as well as public record information. The report is typically divided into several key sections:
: Information on bankruptcies, foreclosures, or tax liens. trans-union-credit-report
: A list of companies that have accessed your report, categorized as "hard" inquiries (from credit applications) or "soft" inquiries (like background checks). A TransUnion credit report is a detailed record
: Details of open and closed accounts, including lenders, account types (e.g., credit cards, mortgages), loan amounts or credit limits, and current balances. used by lenders