Complete TransUnion Client Technical Services onboarding to receive credentials and the CreditVision product codes applicable to your use case
Construct a TUXML inquiry message referencing the CreditVision score product code and any desired attribute bundles (e.g., trended tradeline attributes, payment pattern indicators)
Submit the TUXML request to the TransUnion integration endpoint over the authorized transport channel with your Location ID and Vendor ID in the header
Parse the XML response to extract the CreditVision score value, reason codes (up to four), and trended attribute values covering 24 months of payment behavior
Use the trended attributes (e.g., balance trend, payment trend) to identify credit trajectory signals beyond the point-in-time score for more nuanced decisioning
Map TransUnion reason codes to consumer-readable text using TransUnion's published reason code dictionary for use in adverse action notices
Known gotchas
CreditVision attributes are trended/time-series data requiring 24 months of tradeline history; consumers with short credit histories may receive a reduced attribute set — handle sparse responses explicitly in your model
TransUnion's integration remains largely TUXML (XML-based) for lenders; if your stack is JSON/REST-native, budget time for an XML parsing and serialization layer
CreditVision product and attribute bundle codes are contract-specific; requesting a code not in your agreement returns an error — confirm the exact product codes with your TransUnion account team before hardcoding them
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