Connect Call Report

Credit Data

TransUnion Call Report

Full credit bureau data — bankruptcy, CCJs, payment history, indebtedness and more. The foundation of every lending decision.

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Overview

What is Call Report?

Call Report is TransUnion's flagship credit search product for the UK market. It returns a comprehensive view of an individual's credit file including insolvency records, CCJs, payment histories across all active and settled accounts, public information, and credit search footprints.

It's the standard credit check used by lenders, brokers and credit unions across the UK to assess creditworthiness at the point of application, portfolio review or collections. SHARE membership is required.

What's included

Complete verification suite

Every search returns structured JSON covering identity, fraud, address and financial verification.

Identity Verification

Passport verification
Driving licence check
NI number validation
Mortality screening
Deceased record matching

Address Verification

Electoral roll matching
Residency confirmation
Address history
Years at address

Bank Account Validation

Sortcode verification
Account number validation
Modulus check
Direct debit eligibility
Account status

Card Validation

Card number validation
Luhn check
Card holder match
Card expiry check

Real-Time Fraud Alerts

Real-time fraud alerts
Risk scoring
Alert categorisation
Alert severity

Telephone & Email

Telephone validation
Email validation
Account confirmation

CIFAS Check

CIFAS file check
Fraud history
Match details

Notices & Markers

Data correction notices
Dispute flags
Privacy notices

Pricing

Transparent, volume-based pricing

Simple per-search pricing that gets cheaper the more you use. No hidden fees.

Starting from

£1.25 /per search

ex VAT · Volume discounts available

Volume Discounts

Higher volumes = lower unit cost. We'll quote based on your expected usage.

Setup Fee

One-time setup fee covers integration, testing and go-live support.

Ongoing Management

Includes platform access, support and monitoring. Minimums apply.

We guarantee to beat your current price

Switch to Credit Canary and pay less for the same TransUnion data — or we'll match it. Get in touch for a no-obligation quote.

All prices ex VAT. Minimums apply. Contact us for a tailored quote.

Why Credit Canary

Built for identity verification teams

More than just an API. Credit Canary gives you the tools to verify, decide and act on identity data.

API-First Integration

Clean, RESTful APIs with structured JSON responses. Integrate once and access all TransUnion products through a single endpoint. Full documentation and sandbox environment included.

Decisioning Ready

Feed responses directly into Credit Canary's decisioning engine. Build rules, scorecards and automated workflows that act on the data in real time — no manual processing needed.

Console Access

Run individual verification searches through the Credit Canary Console and view formatted summaries. Perfect for manual review, compliance checks, or when your team needs to pull a quick report.

Combine with Call Report — full KYC + credit in one flow

Pair Call Validate with Call Report to run identity verification and a full credit search in a single workflow. Verify who the applicant is, screen for fraud, and assess their creditworthiness — all through one API integration and one decisioning flow.

Common questions

Frequently asked questions

Developer ready

Simple, clean API responses

Structured JSON you can parse, store and act on immediately. No XML. No SOAP. No surprises.

GET /v1/identity/call-validate
# Response — TransUnion Call Validate
{
  "product": "call_validate",
  "reference": "CV-2026-04-001",
  "status": "completed",
  "identity_verification": {
    "overall_result": "PARTIAL",
    "passport_valid": true,
    "driving_licence_valid": true,
    "ni_number_valid": true,
    "mortality_check": "PASS"
  },
  "fraud_alerts": {
    "decision": "REFER",
    "risk_score": 260,
    "alerts": [ "..." ]
  },
  "bank_validation": { "..." },
  "address_verification": { "..." },
  "cifas": { "clear": true }
}

Ready to connect?

Book a 30-minute demo and we'll walk you through the verification workflows that matter most for your business.

Book a Demo Developer Docs