> ## Documentation Index
> Fetch the complete documentation index at: https://docs.lendflow.com/llms.txt
> Use this file to discover all available pages before exploring further.

# TransUnion Personal Credit

## 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

1. Call [Enrich Business Credit Application](/api-reference/workflow-management/enrich-business-credit-application) for the application.
2. Set `provider` to `transunion_credit_report`.
3. Send `options.scoreModels` as a non-empty array of registered values.
4. Confirm `data.onqueue: true`.
5. Poll `GET /api/applications/{application_id}/commercial_data` through [Get Commercial Data](/api-reference/workflow-management/get-commercial-data) with `services[]=transunion_credit_report`.

```json theme={"system"}
{
  "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.

1. Add a TransUnion condition or service and select the model required by it.
2. Connect outcomes, then save and publish.
3. Execute with [Execute Data Orchestration](/api-reference/data-orchestration/execute-data-orchestration).
4. 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. |

```json theme={"system"}
{
  "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

<AccordionGroup>
  <Accordion title="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.
  </Accordion>

  <Accordion title="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.
  </Accordion>

  <Accordion title="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.
  </Accordion>
</AccordionGroup>