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:

• Personal information including name, Hong Kong ID Card number or travel document number, date of birth, gender, 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, for example, data about residential mortgages that are not in default for more than 60 days. 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.