A credit report is information about your credit history payment behavior. It contains information such as your name, address, date of birth, ID number, employment information, - the details you give to credit grantors when completing a credit application form and account histories.
TransUnion also keeps details on your credit history such as your account history and history of paying habits, that is, whether you pay your accounts regularly and on time. A credit report does not contain any data such as race, religious beliefs, political affiliations or medical histories.
A TransUnion Credit Report reflects important information from your credit providers who are contributing TransUnion members (such as banks, financing companies, utilties). They are able to obtain this information (with consumer consent). This allows them to make fast and informed, reliable and objective decisions. It also enables them to approve loans and give credit to you within minutes.