A TransUnion credit report is a detailed record of your credit history, compiled by one of the three major credit bureaus in the United States. It includes information about your credit accounts, such as credit cards, loans, mortgages, and payment history. The report also lists public records, collections, and inquiries made by lenders when you apply for credit. Lenders use this report to assess your creditworthiness, while you can use it to monitor your financial health and detect errors or identity theft. Regularly checking your TransUnion report helps maintain a good credit score and make informed financial decisions. transunion credit score