TU HISTORY AND FACILITIES

Transunion receives
data from its members

Evaluate and generate
credit score

Transunion members use credit score to make loan approval

Credit report
 

It helps both credit applicants and credit providers avoid such inefficiencies

Take control of
financial health

Remarks: Credit scores are fluid and based on the latest information contained in your credit file at the time the score is requested. Therefore, a score generated previously may not be the same as one calculated today.

FACTORS AFFECT CREDIT SCORE

Payment history
  • Accounts with a history of on-time payments are considered valuable assets that will boost a credit score.
Outstanding debt
  • High balance-to-credit-limit ratios may lower credit scores. Maintain reasonable balances on available credit.
Credit account history
  • An established credit history makes you a more reliable borrower.
Recent enquiries
  • When a credit provider checks your credit, it implies that you may be taking on additional debt. As this slightly reduces your credit score, apply for new credit in moderation.
Public records
  • Public records (including bankruptcies and legal actions) may negatively affect a credit score. All public records are kept on your report for seven years; bankruptcies, eight years.

TU CREDIT REPORT SAMPLE


(Click above to Download)

Contact Us Today

Worked hard to manage your finances?
Looking for extra cash without extra costs?
You are one click away from financial relief.
GET STARTED NOW !


Apply Now

**The annual percentage rate ranges from 3.8% to 48%. Interest rate on loans is subject to the credit history of each applicant. The repayment period for loans ranges from 6 to 60 months. For example, in the case of an HK $50,000 loan with annual percentage rate of 3.8% and 12-month repayment period, the monthly loan repayment amount would be HK $4,253 and the total repayment amount would be HK$51,036.