A good credit report not only means lower monthly instalment based payments and better set of terms & conditions, but it also manages to tell many other facets of a person. May be that is the reason, there goes a famous 80s or 90s saying, ‘a credit report is like a mirror which showcases the character of a person.’ Like other nationwide credit bureaus, even the paths leading to Transunion get bifurcated as either personal or business.

As action is need based, a majority of people will apply for a credit report while refinancing, purchasing a car, home etc. or within the scope of ID theft or the same old repetitive reason – when you have a lot of debts. But ideally, the purpose of getting a credit report should be to stay updated with the latest finances. And as checking the credit score doesn’t lower it, getting your credit report regularly is the key towards staying on top of your finances.

But what many of us fail to emphasize is: to maintain a good credit report or score, the first step is to know your credit score (it is as simple and straightforward as it can ever be). And the heartening fact is – every American consumer is entitled to a free credit report every year via the major nationwide credit bureaus. One such nationwide credit report based agency is Transunion, which has an internet presence via the portal www.transunion.com.

Transunion offers a lot of solutions with respect to credit reports, but for a charge; only a single credit report here per year is free. Some useful aspects from the stable of Transunion are as follows:

• The Zendough Way
• Identity Theft and Monitoring
• All Types of Consumer Assistance
• Education and Miscellaneous Aspects

To take control of your finances, you need to have the best form of financial clarity. And this is what is made possible via the newest of tools from Transunion, the Zendough.
Zendough offers strategies, resources and tools for your credit, debt and even your identity. All in all, Zendough offers the following solutions:

• The free credit report is always there, but with Zendough, you can get to understand the 6 main factors which go on to form the pillars of your credit report.
• It also covers aspects of credit ranking – your ranking with respect to others’ and related stuff.
• You can get a snapshot of your credit which includes all the key information; this comes in a scan easy format.
• Zendough offers the ‘debt to income’ ratio calculator, so that you can avail the best understanding of what is going out, what is coming in and how.
• In addition, you can get email alerts whenever there are any critical changes or alterations with respect to your credit.
• You are entitled to get suggestions to safeguard your identity, just in case something unruly happens. Also, you get a personal case manager whose KRA (Key Result/Responsibility Area) includes restoring your identity theft.

Apart from the highly useful Zendough platform, Transunion answers the security element of identity theft as professionally as possible (in fact, indentify theft is a major concern which can even be caused due to the violation of credit reports). Transunion has a whole section supporting this factor with dedicated support, guidance and both direct (calls) and indirect (mails, chat etc.) forms of help.

Transunion assists consumers in many other ways wherein users can digest their credit report and all the aspects related to it. Some customer oriented aspects, often dubbed as wings of the facet – Learning Centre of Transunion are mentioned as below:

• Taking consumer education with respect to credit to a new level, it offers self explanatory videos. The basic aspects are explained in a ‘one step at a time’ kind of understanding, while the larger (the more important) aspects are explained with tools, snapshots and examples, along with the basic aspects.
• And as disputes are one of the major reasons to get an erroneous report, you can learn a lot about disputing items on your credit report.
• Are you aware that the 3 major nationwide credit bureaus can provide different reports? This is because your credit report depends on what lenders/creditors have reported to the agencies, who then report the data independently. You can learn other such important factors about these reports via the simplified learning centre here.
• You can (and it is highly recommended) learn more about FACT ACT (Fair and Accurate Transactions Act) which is the base of every citizen’s right towards free credit report once a year.
• As credit monitoring is one of the most important aspects of any type of credit report, you can get an ‘easy to learn, understand and use’ kind of a learning.
• You can learn about credit based statistics, trends etc.
• Transunion combines the learning part and the factors of assistance in an easy ‘layman type’ understanding.

This is just the tip of the Transunion service which supports around 23 countries in 4 continents and compiles a date as mammoth as 500 million customers and growing, every year.