![]() ![]() When reviewing your TransUnion credit report, carefully review the information in each of these categories to confirm they are accurate. Delinquent accounts that have already been sold to collection agencies are also reported here. Public records and collection accounts: this section includes any tax liens, lawsuits, bankruptcies, foreclosure or wage garnishments, as reported by the state and county courts.However, only the latter impacts your credit since it reflects applications for credit and not credit screenings for pre-qualification purposes. Credit Inquiries: this section includes both involuntary and voluntary inquiries.You will also see the current account status, along with the date you opened the loan or credit card and the payment history since that point. It mentions the amount of the loan or credit limit and the current outstanding balance. Account information: this section includes information about accounts you have with both lenders and creditors.It’s updated as you supply new information to lenders and creditors. This information on your credit report has no bearing on your credit score. Information about your employer will also be listed here. Personal information: this section includes your Social Security number, date of birth, name and address.The primary categories of your TransUnion credit report are: Here’s how to move forward: What’s in Your TransUnion Credit Report Either way, you want to clean up your credit sooner than later, and the best way to do so is by filing a dispute with the credit reporting agency.Īccording to the Federal Trade Commission, “No one can legally remove accurate and timely negative information from a credit report.” But if what you see is either questionable, inaccurate, or untimely, filing formal disputes with TransUnion can definitely work in your favor. Did a recently rejected credit application prompt you to view your TransUnion report? Or maybe you were casually browsing your free credit report and noticed issues.
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