Know who someone is, and whether to say yes
TransUnion credit and identity data, through one API, at a better rate. Credit reports, identity, screening, trended data and affordability, with open banking, decisioning and payments alongside.
Five jobs, one source of data
Start from the question you are trying to answer. Each points to the products, use cases and industries that answer it.
Who is this person?
Verify identity and an applicant's details before you lend, let, employ or insure.
Can I trust them?
Screen for politically exposed persons, sanctions and adverse-media markers, at onboarding and after.
Can they afford it?
Income and expenditure from bureau data, read against what the bank account actually shows.
How have they behaved?
A full credit picture now, and the direction of travel over time.
Should I say yes?
One decision from credit, identity, affordability and open banking data, combined.
Why through Credit Canary
The same five products you could buy direct, with three reasons to take them here.
A better rate
Take TransUnion data through Credit Canary and the reason is simple: a better rate than going direct, quoted on your volume and mix.
One API, four capabilities
The same integration gives you credit and identity data, open banking, decisioning and payments. Build once, not four times.
Approval handled once
Credit and identity data needs a permissible purpose and approval. We handle the onboarding a single time, across every product.
Reciprocity: the key to the full file
The complete credit file is shared on the principle of reciprocity. Only lenders that report their own account and repayment data back to the bureau can get the full picture back; contribute nothing and you see a limited view. It is the single most important thing to understand about shared credit data, and we help you set up data contribution so you qualify for the full file.
Soft or hard?
The single most-asked question in the category, answered here, and in full on the chooser.
For pre-qualification, broking and comparison. It does not leave a footprint other lenders can see, and it does not affect the applicant's score. Use it to give an indicative answer or to source a product.
For application, once the applicant is committed to proceeding. It is recorded on the file and visible to other lenders making their own checks. You choose which runs at each step.
Hard and soft apply to the two credit products, CallReport and TrueVision. Identity, screening and affordability are not credit searches, so the distinction does not apply to them.
By the job
The seven jobs credit and identity data does most often.
By industry
Where credit and identity data earns its keep. More industries are added over time.
Credit Data: FAQs
It is TransUnion credit and identity data, delivered through Credit Canary over one API, alongside open banking, decisioning and payments.
A better rate, and one integration that also gives you open banking, decisioning and payments, with approval and onboarding handled once.
Five: CallReport, CallValidate, PEPs and Sanctions, TrueVision and TU Affordability. You can take them individually or as one block.
A soft (quotation) search is for pre-qualification and leaves no footprint other lenders can see; a full search is used at application and is recorded on the file.
Yes. Credit and identity data is available only for a permissible purpose, for which you must be approved. We handle that onboarding once.
We quote on your volume and mix. There are no price points here; the reason to come through us is a better rate on one integration.
The full shared file works on reciprocity: you get the complete picture only if you contribute your own account data back to the bureau. Lenders that report back qualify for the full file; those that do not get a more limited view. We help you set up data contribution so you qualify.
Tell us what you need to know
Tell us the decisions you make and the people you check, and we will quote the right mix on one integration, at a better rate.