TransUnion Credit Report, Score & Alerts

Stay current of your credit and protect it

GET YOUR CREDIT REPORT NOW

TransUnion’s Credit Report, Score & Alerts is your personal assistant and all-weather watchdog for your credit. With it, you have around-the-clock access to your credit profile. It monitors your credit accounts for new changes, such as new account opening or account enquiry. 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 Report

A TransUnion Credit Report contains details of your credit history provided by TransUnion members, including banks and other financial institutions. Consumers can access their own credit report either by becoming a subscriber on the TransUnion website or at the TransUnion office with online reservation.

 

A TransUnion Credit Report mainly consists of:

  1. Personal information
  2. Repayment records of credit accounts
  3. Details of credit applications, including credit card, personal loans and mortgages
  4. Details of other credit enquiries
  5. Relevant public records
  6. Credit Score





Banks and financial institutions may inquire the applicant’s credit history and repayment habits to determine the applicant’s financial credibility as part of the credit approval process. By regularly checking your credit report, you will be on top of your credit standing.  You can ensure information stays accurate and spot out signs of fraud or identity theft. Hence, whether you have plans to apply for a loan, a mortgage, or a credit card, you are encouraged to check your credit report regularly.

Credit Score

Credit Score ranges from A to J, where A is the highest score. It is one of the references credit providers may use as part of the credit approval process. In addition to Credit Score, credit providers may also consider the applicant’s risk tolerance, internal credit ratings, as well as the applicant’s financial status and other personal information.

In addition to credit history and enquires, other information in your credit report is also used to calculate the Credit Score. Any changes in the records might trigger a reassessment of the Credit Score.

 

The following factors contribute to your Credit Score:

  • Credit grading
  • Commitment to repayment (%)
  • Score factors

Please refer to What is a Credit Score? for details.

Credit Alert

TransUnion will send you an email/SMS alert when the following items are updated on your credit report. Unauthorized change of personal information is a hint of potential fraud, being notified of any change in your credit report is a great way to monitor identity theft. 

 

Credit Alerts sends you a notification when:

  • An application enquiry is performed
  • An account is opened
  • An address is reported
  • A telephone number is reported

See What is Credit Monitoring Services? for details.