Founded in 1968, TransUnion (one of the three (3) major credit bureaus) is based in Chicago, IL, with operations in all 50 states and offices covering 5 continents and 24 countries. TransUnion can be accredited for safeguarding the credit history of 100's of millions of American consumers. By providing updated individual credit profiles, businesses are able to make accurate credit-based decisions. Without the help of TransUnion's credit data these decisions used to take days or weeks but can now be completed in minutes. The TransUnion database also provides American consumers with more choices. Consumers are able to shop for the products and terms that best suit them because credit card issuers and other businesses are able to target their offers.

By conforming with the Fair Credit Reporting Act (FCRA) TransUnion ensures there are measures in place to provide readily available credit information to benefits consumers and at the same time block improper access that may impose on consumer privacy.

Some highlights of TransUnion include the Fraud Victim Assistance Department, the first automated tape-to-disc reporting system, Credit Reporting On-line Network Utility System, and TransUnion was the first to implement the technology to enable accurate identity searches based on a person's nickname.