TransUnion True Vision
Enhanced credit insight with trended data, account-level detail and predictive attributes. See beyond the snapshot.
What is True Vision?
True Vision is TransUnion's premium credit data product. It goes beyond the standard Call Report by delivering trended account data — showing how balances, limits and payment patterns have changed over time — plus predictive attributes and enhanced segmentation data.
This gives lenders a richer, more dynamic picture of creditworthiness, enabling better risk models and more confident lending decisions. Everything in Call Report is included, plus the enhanced trended and behavioural layers. SHARE membership is required.
Data at your fingertips
Every search returns a structured JSON response covering these data categories.
Trended Account Data
- Monthly balance history (24 months)
- Credit limit trends
- Payment amount trends
- Utilisation rate over time
- Minimum payment tracking
Enhanced Account Detail
- Full account lifecycle data
- Account open/close dates
- Original loan amounts
- Current terms & conditions
- Payment frequency data
Behavioural Attributes
- Payment consistency scores
- Balance trajectory indicators
- Credit utilisation patterns
- Account management signals
- Early warning indicators
Predictive Indicators
- Probability of default signals
- Debt stress indicators
- Credit appetite signals
- Balance growth/reduction trends
Segmentation Data
- Risk tier classification
- Borrower profile segmentation
- Product propensity indicators
Full Call Report Data
- Status summary
- Indebtedness indicators
- SHARE financial data
- Public information
- Credit search footprint
- Notices & markers
Transparent, volume-based pricing
Simple per-search pricing that gets cheaper the more you use. No hidden fees.
Starting from
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.
Built for lending teams
Not just another data pipe. Credit Canary gives you the tools to act on the data, not just receive it.
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 searches through the Credit Canary Console and view formatted summaries. Perfect for manual underwriting, compliance review, or when your team needs to pull a quick report.
Frequently asked questions
Simple, clean API responses
Structured JSON you can parse, store and act on immediately. No XML. No SOAP. No surprises.
{
"product": "true_vision",
"reference": "TV-2026-04-001",
"status": "completed",
"summary": {
"bankruptcy": false,
"iva": false,
"ccj_count": 0,
"active_accounts": 7,
"total_balance": 142350
},
"trended_data": {
"balance_history_24m": ["..."],
"utilisation_trend": ["..."],
"payment_consistency": 0.94
},
"behavioural_attributes": { "..." },
"predictive_indicators": { "..." }
}Get a quote
Tell us about your volumes and we'll come back with pricing that beats your current deal.