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Credit Bureaus (continues...)

TransUnion

TransUnion credit reports are similar to the Experian credit reports, but are visually more friendly with buttons illustrating past due dates. Information on TransUnion credit reports include:

• Personal Information. Personal Information includes your address, Social Security number, and employment information.
• Public Records. Public Records in TransUnion credit reports show bankruptcies, liens, and judgments.
• Adverse Accounts. These are accounts that are past due or negative. Note the key above this that shows the meaning of the buttons.
• Satisfactory Accounts. These are your accounts that are not past due or negative.
• Regular Inquiries. These are inquires into your credit standing that affect your credit rating.
• Credit Inquiry Analysis. These are requests for your Credit Report by people who provided information about you when inquiring about your Credit Report or Credit Score.
• Promotional Inquiries. These are inquiries that do not affect your credit rating.
• Account Review Inquiries. These are companies that reviewed your account when you requested it or in order to do a transaction with you (such as paying off an account balance).
• Consumer Statement. This is the space for the statement you can provide that explains your report.
• Special Messages. Alerts about identity fraud would appear here.