Your TransUnion Credit Report does not contain information about your medical history, race, gender, religion or national origin. Return to top Q How do lenders use a credit history?
• When you apply for credit, such as a new credit card, the lender will request your credit history from TransUnion. • The lender uses your credit history, along with other relevant information such as your income, to determine whether to grant you a credit card. • When you use the new credit card, the lender will periodically report your payment activities to credit reporting agencies, such as TransUnion. • Credit reporting agencies will update your credit history as they receive new information from lenders. • Your credit profile will change based on several factors, including how you pay your bills and how many loans you have. When you pay your bills on time, the information is shared with current and future lenders to help improve your credit history and make it easier to acquire credit in the future. • Each time you apply for credit, the process will be repeated.
