Implement TransUnion CreditVision score and attributes retrieval for risk-based credit decisioning

Steps

1. Complete TransUnion Client Technical Services onboarding to receive credentials and the CreditVision product codes applicable to your use case
2. Construct a TUXML inquiry message referencing the CreditVision score product code and any desired attribute bundles (e.g., trended tradeline attributes, payment pattern indicators)
3. Submit the TUXML request to the TransUnion integration endpoint over the authorized transport channel with your Location ID and Vendor ID in the header
4. 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
5. 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
6. Map TransUnion reason codes to consumer-readable text using TransUnion's published reason code dictionary for use in adverse action notices