When you apply for a car loan or a credit card, the lender probably checks your credit history first. TransUnion is one of the credit bureaus that keep that record. It also sells scoring models that turn that record into a quick judgment, which lenders and other businesses draw on whenever they need it. Consumers buy credit monitoring and identity protection, directly or through partners. The United States is the heart of the business, but TransUnion has run similar businesses abroad for decades. In 2026 it took control of Trans Union de Mexico.
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