TransUnion (TU) Credit Report, Score & Alerts is your personal assistant and all-weather watchdog for your credit. By staying on top of your financial credit, you will be able to maintain a healthy credit score and properly plan for financial success.
Credit Alert is your personal assistant to monitor your identity and protect you from identity theft. It will alert you whenever there are changes to your Credit Report, and can certainly help in mitigating your financial losses from identity fraud.
Credit Score Calculator allows you to estimate how your credit score changes based on different credit actions and events. It enables simulation of different scenarios to help forecast score changes more precisely.
Debt Analysis shows your Debt-to-Income (DTI) ratio based on the data on the credit report. It allows you to understand your debt and ability to repay, hence to effectively manage your finances.
Credit Report is a record of your credit activity, including credit card, loan and mortgage. It allows you to understand your financial reliability and situation, and also enables banks and financial institutions to understand and determine your creditworthiness.
Credit Score is a distilled and calculated score based on your financial habits. Credit Score ranges between A and J , where A is the highest score. The increase in credit score helps you to obtain a more favorable Annual Percentage Rate (APR) from lenders.
If banks or financial institutions accessed your credit report during the approval process and eventually declined your application, TransUnion will provide a free credit report for you.
Checking your credit report is an effective way to detect if your identity has been compromised. You can review your credit report regularly for any sign of suspicious activity, monitoring your credit applications to minimize the financial lost.
When banks or financial institutions request access to your credit report, a credit alert will be sent to you by SMS and/or email. If identity fraud is detected, you can respond immediately.
Managing your wealth and controlling your debt are important steps towards good financial health. TransUnion prepares all kinds of personal finance tips for you, including budget setting and reducing debt intake, to assist you in achieving a bright financial future.
Credit Report is a tool to prove your credit worthiness to the lenders during a mortgage application. You want to make sure that the data are accurate, the score is good, and no one else is getting access to your credit, which may harm your score.
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Inaccurate information may lower your Credit Score or may indicate fraudulent activity, it's best to dispute any potential inaccuracies as soon as you spot them.
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