Book a Demo
Connect TransUnion Call Report
Credit Data

Call Report

Full credit bureau data — bankruptcy, CCJs, payment history, indebtedness and more. The foundation of every lending decision.

Get a Quote View API Docs
TransUnion
Overview

What is Call Report?

Call Report is TransUnion's flagship credit search product for the UK market. It returns a comprehensive view of an individual's credit file including insolvency records, CCJs, payment histories across all active and settled accounts, public information, and credit search footprints.

It's the standard credit check used by lenders, brokers and credit unions across the UK to assess creditworthiness at the point of application, portfolio review or collections. SHARE membership is required.

100+
Data points
Per search response
<2s
Latency
Typical API response
50M+
Coverage
UK adult population
Credit Canary Console — Credit Summary
Surplus Summary
Search ID: A5212505-FC4A-48EB-97CB-B10E00DE8D95
Date: 02/04/2026
Credit Score
666
NoC Flags
0
Active Judgements
0
Insolvent
0
Total Balances
£25,372
Active Accounts
17

Balances

Total Lending£25,372.00
Loans£9,075.00
Credit Cards£16,174.00
Utilisation49%

IVA / CCJ

Restricted IVAs0
Discharged IVAs0
Currently InsolventNo
Total Active CCJs0

Accounts

Total Accounts26
Total Active Accounts17
Settled Accounts9

Searches

Last 3 Months0
Last 12 Months3
Home Credit Last 3 Months0
Sample data — actual results will vary View full report in Console →
What's included

Data at your fingertips

Every search returns a structured JSON response covering these data categories.

Status Summary

  • Bankruptcy status
  • IVA status
  • CCJ status
  • Active court judgments
  • Current BAI record
  • Default status
  • Delinquent accounts
  • Undeclared addresses
  • Notice of correction

Address Confirmation

  • Address match level
  • Electoral roll source
  • Residency confirmation
  • Address link history

Indebtedness Indicators

  • Total balances (all accounts)
  • Loan & instalment balances
  • Mortgage balances
  • Revolving balances
  • Total revolving limits
  • Balance-to-limit ratio

SHARE Financial Data

  • Active account count
  • Settled account count
  • Recently opened accounts
  • Delinquent accounts (12/36 months)
  • Payment status history
  • Default records

Public Information

  • BAI records
  • County Court Judgments
  • Total judgment values
  • Insolvency records

Credit Search Footprint

  • Search count by timeframe
  • Search type breakdown
  • Lender search history

Notices & Markers

  • Correction notices
  • Dispute markers
  • CIFAS markers
Pricing

Simple, transparent pricing

No hidden fees. Volume discounts available.

Checks start from

£1.25 /per search

ex VAT · Volume discounts available

Get a Quote
Why Credit Canary

Built for lending teams

Not just another data pipe. Credit Canary gives you the tools to act on the data, not just receive it.

API-First Integration

Clean, RESTful APIs with structured JSON responses. Integrate once and access all TransUnion products through a single endpoint. Full documentation and sandbox environment included.

Decisioning Ready

Feed responses directly into Credit Canary's decisioning engine. Build rules, scorecards and automated workflows that act on the data in real time — no manual processing needed.

Console Access

Run individual searches through the Credit Canary Console and view formatted summaries. Perfect for manual underwriting, compliance review, or when your team needs to pull a quick report.

Auto Address Search — increase your match rate

Pair Call Report with Auto Address to automatically verify and standardise applicant addresses before the credit search. This significantly increases your match rate with TransUnion, reducing "no trace" results and ensuring you get data back on more applicants.

Common questions

Frequently asked questions

Developer ready

Simple, clean API responses

Structured JSON you can parse, store and act on immediately. No XML. No SOAP. No surprises.

GET /v1/credit/call-report
# Response — TransUnion Call Report
{
  "product": "call_report",
  "reference": "CR-2026-04-001",
  "status": "completed",
  "summary": {
    "bankruptcy": false,
    "iva": false,
    "ccj_count": 0,
    "defaults": 0,
    "active_accounts": 7,
    "total_balance": 142350
  },
  "share_data": { "..." },
  "public_info": { "..." },
  "searches": { "..." }
}

Ready to connect?

Book a 30-minute demo and we'll walk you through the integrations that matter most for your business — standalone or combined.

Book a Demo Developer Docs