Credit Reporting

Credit Reporting

You can make better decisions about lending when you understand how much risk a customer or prospect represents.
Make better decisions throughout the customer lifecycle
Credit reporting gives you information
and insight you can use to acquire more customers, retain your most valuable
ones and manage risk better. TransUnion
credit data is provided and shared by member institutions. These institutions are committed to maintaining high-quality data by regularly reporting and updating account information.

TransUnion Credit Reports provide full-file data. This means that both positive and negative data are contributed and reported. (The amount of positive data available can vary by market.) This can allow a more complete view of a consumer’s credit history and improve your ability to make more objective decisions.

Credit reports may include the following types of information:

  • Consumer information such as ID number, name and some social-demographic information
  • Consumer statement, which is a brief explanation of items contained in the credit history if data is disputed by the consumer
  • Account histories, which include the consumer’s history of paying bills with credit grantors
  • Public records such as bankruptcies, tax liens, court judgments and other publicly available information about items that may affect creditworthiness. (The specific types of information available can vary by market.)
  • Inquiries, or the names of companies that have requested the consumer’s credit history

    When you have access to better information about your customers and prospects, you can make better decisions. You can acquire more customers and retain your most valuable customers. You can better manage risk at the same time.

    Information is provided and shared by TransUnion clients. Each institution is committed to maintaining data accuracy by regularly reporting and updating account information.

    TransUnion believes in providing full-file data, which means that both positive and negative data are contributed and reported. (The amount of positive data available can vary by market.) Full-file data can allow a more thorough view of consumers for more objective decisions.

NEXT STEPS:
RELATED TOPICS
Overview brochure on our solutions (in Spanish)
Learn how we can help you address the unique needs of your business
CONTACT US
Online
Phone
Costa Rica
(506) 2291-4303
(506) 2291-3258 Fax
M–F: 8:00 a.m.–5:30 p.m.

El Salvador
(503) 2511-5555
(503) 2264-6216 Fax
M–F: 8:00 a.m.–5:00 p.m.

Guatemala
(502) 2207-2400
(502) 2385-0203 Fax
M–F: 8:00 a.m.–4:00 p.m.

Honduras
(504) 2235-7878
(504) 2202 7730
(504) 2232-2927 Fax
M–F: 8:00 a.m.–5:00 p.m.

Nicaragua
(505) 2254-8001 PBX and Fax
M–F: 8:00 a.m.–5:00 p.m.