How to Read a TransUnion Credit Report

How to Read a TransUnion Credit Report
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Personal Information and Public Records

At the very top of your TransUnion credit report, you will find its unique identification number and the date the report was generated and sent to you. The next section, entitled "Personal Information," lists your full name, past names used, current and previous addresses, date of birth, Social Security number, current and past employers and phone number. If you have any public records, such as a tax lien or court judgment against you, they are listed next. If you have a mortgage, it is disclosed in this area as well.

Credit History

The next area of your TransUnion report details your credit history. Accounts with adverse activity are listed first. For example, if you missed payments on a credit card, that account will appear near the beginning of the section along with its negative payment history. Other adverse activity reported includes accounts in collections or those that have been charged off as a loss by the credit issuer. Vehicle repossessions and mortgage foreclosures are also listed here. Satisfactory accounts, those without any adverse activity, are listed next. The rest of your report is reserved for credit inquiries, a listing of companies that checked your credit, any consumer statements you may have added to your report and any special messages from TransUnion.