Credit Report
A credit report is a record of a consumer's credit history. A TransUnion Credit Report contains information provided by members (such as banks and finance companies) and public source information. With a credit report, which may also include a credit score, you can learn about your own credit record, take control of your financial health, and alert yourself to potential identity theft and credit fraud.
A credit report may include the following information:
Knowledge is power when you access your credit report
- Personal information including name, Hong Kong ID Card number or travel document number, date of birth, current and previous addresses and telephone numbers
- Information from members about your credit accounts with current credit usage and your account repayment history
- Public records such as litigation relating to recovery of debt, bankruptcy and winding-up petitions
- Enquiry Records, which list members that have reviewed your credit report within the last two years
- Credit score, a numerical snapshot of your credit report at a particular point in time
For reasons of data privacy, members are not permitted to send TransUnion some types of information. Full details are provided in the Code of Practice on Consumer Credit Data, which can be downloaded from the office of the Privacy Commissioner for Personal Data, Hong Kong.
Enjoy these benefits when you order 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
- Find out your credit score
- Learn which credit providers have reviewed your credit report
- Spot identity theft and credit fraud early, should they occur
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