TransUnion Personal Credit

TransUnion Personal Credit retrieves an individual credit report and the score or attribute add-on products selected for the application’s primary owner. The registered Workflow Builder block is Personal Credit > TransUnion Personal Credit, its block ID is transunion_personal_credit, and it supports the Individual entity type.

Service	Service ID	Numeric provider ID
TransUnion Credit Report	`transunion_credit_report`	`52`

Requirements

Application field	Requirement	Notes
Primary-owner first and last name	Required	Used to match the owner.
Personal address line 1, city, state, and ZIP	Required	Use a complete, valid personal address.
Date of birth	Optional	Use `YYYY-MM-DD`.
SSN	Optional	Use exactly nine digits.
Telephone	Optional	Use a valid US phone number.

Score and attribute models

options.scoreModels is a required array. Every value must be one of the registered models below.

Category	Exact options
Consumer scores	`fico4`, `fico8`, `fico9`, `fico10`, `fico_bankruptcy2`, `rbp_fico8`, `vantage1`, `vantage2`, `vantage3`, `vantage3_0`, `vantage4`, `bankers_hg_score_1_hit_indv`, `truvi_trend_new_acct_scor_nhit_indv`, `truvi_trended_pl_score_hit_indv`
Credit alerts	`truvia_id_mismatch_alert_indv0m`, `truvi_ofac_name_screen_clea`, `truva_address_mismatch_indv0m`
Credit-report attributes	`truvi_credit_report_hit_indv_cpu_stdb_frgn`, `truvi_credit_summary_indv`, `truvi_mla_search_clea`, `credit_vision_acute_relief_attributes`, `credit_vision_banker_health_care_derogatory_criteria`
Trended attributes	`tru_vision_trended_algorithms_excess_payment_batch`, `tru_vision_trended_algorithms_payment_ratio_batch`, `tru_vision_trended_algorithms_utilization_batch`, `tru_vision_trended_bankcard_spend_algorithms`, `tru_vision_trended_historical_status_algorithms`, `tru_vision_trended_balance_magnitude_algorithms`, `tru_vision_trended_trade_to_consumer_algorithms`, `tru_vision_trended_aggregate_view_algorithms_with_payment_amount`, `tru_vision_trended_magnitude_algorithms`
Other attributes	`cv_link_2_1_attributes_tru_vision_alternative_data_attributes`, `custom_model_cvlink_f2_0`, `tru_vision_premium_characteristics_v2`, `tru_vision_premium_address_attributes`, `tru_vision_phone_number_attributes`

The base report product code is 07000. Lendflow adds each selected model with its registered TransUnion product code. The Dashboard can run selected models, all models, or a category, but API callers must send the resulting exact array.

Inquiry semantics

The integration does not expose a hard/soft inquiry option or label the request as hard or soft. The configured subscriber credentials, industry code, product selection, and permissible purpose govern inquiry treatment. Confirm the effect with TransUnion before production use.

API flow

Call Enrich Business Credit Application for the application.
Set provider to transunion_credit_report.
Send options.scoreModels as a non-empty array of registered values.
Confirm data.onqueue: true.
Poll GET /api/applications/{application_id}/commercial_data through Get Commercial Data with services[]=transunion_credit_report.

{
  "provider": "transunion_credit_report",
  "options": {"scoreModels": ["fico10", "vantage4"]}
}

Commercial data uses data.commercial_data.transunion.credit_report.data for the latest provider payload, data.commercial_data.transunion.credit_report.metadata.scoreModels for the selected models, data.statuses.transunion.credit_report for status, data.dates.transunion_credit_report for the latest date, and data.request_data.transunion.credit_report for the stored request.

Data Orchestration availability and flow

TransUnion is available in Builders > Data Orchestration > Personal Credit as provider ID 52. The catalog exposes credit status, file summary, score-model values, and groups of registered attribute products.

Add a TransUnion condition or service and select the model required by it.
Connect outcomes, then save and publish.
Execute with Execute Data Orchestration.
Monitor Data Orchestration logs and retrieve the provider payload through the paths above.

What the service returns

Response area	Meaning
`product.subject.subjectRecord.fileSummary`	Hit, SSN match, suppression, freeze, dispute, and file-age indicators.
`indicative`	Matched consumer names, addresses, identifiers, and contact data.
`trade` and `inquiry` data	Credit accounts and inquiries returned in the base report.
`addOnProduct`	One result per requested score or attribute product, including provider status and model data.
`metadata.scoreModels`	Exact option values requested for this stored run.

{
  "product": {
    "code": "07000",
    "subject": {
      "subjectRecord": {
        "fileSummary": {
          "fileHitIndicator": "regularHit",
          "ssnMatchIndicator": "exact",
          "creditDataStatus": {"freeze": {"indicator": false}}
        },
        "addOnProduct": [
          {"code": "001NN", "scoreModelProduct": true}
        ]
      }
    }
  }
}

A regularNoHit, freeze, suppression, product error, missing add-on, or null value is not a score of zero.

Errors and statuses

Condition	Meaning
`The options field is required.`	Send `options.scoreModels`.
`Invalid options for transunion_credit_report`	A key or model value is not registered.
`Invalid score model provided.`	An internal model value could not be mapped.
`An error occured while fetching credit report: error code ...`	TransUnion returned a product error.
`regularNoHit`	TransUnion did not return a regular credit-file hit.
Certificate or authorization failure	Verify subscriber credentials, certificate, key, and certificate password.

FAQ

Can I request more than one TransUnion model?

Yes. Send all required exact values in options.scoreModels; Lendflow includes each as an add-on product in one credit-report request.

Is an SSN required?

The current request permits a missing SSN, but a supplied value must be exactly nine digits. Name and complete personal address are required.

Does Lendflow classify this as a hard or soft inquiry?

No. The integration has no hard/soft option. Confirm inquiry treatment for your TransUnion subscriber configuration and selected products.