TrueVision
Trended data attributes that reveal financial stress, credit behaviour patterns and risk trajectories. Go beyond point-in-time — see the full picture.
What is TrueVision?
TrueVision is a powerful suite of solutions that harnesses the strength of trended data to give you a deeper, broader view of consumers and their behaviour. It transforms up to 72 months of account history into meaningful, actionable attributes — revealing patterns of financial stress, credit behaviour and risk trajectory that a point-in-time snapshot simply cannot show. Use it alongside Call Report for a complete view of the applicant, or on its own for targeted risk assessment and portfolio monitoring.
TrueVision is ideal for lenders who want to go deeper — detecting early warning signs of financial distress, monitoring portfolio health, and building more accurate risk models. SHARE membership is required.
Data at your fingertips
Every search returns a structured JSON response covering these trended data categories.
Status Summary
- AO Score
- FSI Index
- CSI Index
- Combined RAG status
- Warning/Notice flags
- Delinquency alerts
Applicant Details
- Name & DOB match
- Match level
- Address verification
- Number of disputes
- Postcode confirmation
Financial Stress Indicators
- FSI count
- FSI triggered flag
- FSI Index (0–100)
- FSI RAG status
- Based on high-cost credit, overdraft & debt trajectory
Credit Stress Indicators
- CSI count
- CSI Index (0–100)
- CSI RAG status
- Combined RAG
- Persistent debt & delinquency patterns
Public Information
- BAI records
- County Court Judgments
- Total judgment values
- Insolvency records
Revolving Trades & Utilisation
- Revolving accounts >25% utilised
- Revolving accounts >90% utilised
- Utilisation trajectory
- Balance-to-limit trends
High Cost Short Term Credit
- HCSTC account counts (multiple periods)
- Open HCSTC accounts
- Defaulted HCSTC accounts
- Period breakdowns (0–6, 2–12, 0–12 months)
Simple, transparent pricing
No hidden fees. Volume discounts available.
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 TrueVision's stress indicators and trended attributes directly into Credit Canary's decisioning engine. Build rules around FSI/CSI thresholds, utilisation trends and delinquency patterns — automate what used to require manual review.
Console Access
Run individual TrueVision searches through the Credit Canary Console and view formatted, human-readable reports with RAG-status summaries. Perfect for manual underwriting, portfolio review, or when your team needs deeper insight into an applicant.
Auto Address Search — increase your match rate
Pair TrueVision 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.
Pair with Call Report — the complete credit picture
TrueVision is designed to complement Call Report. Use Call Report for the full credit file and TrueVision for trended behavioural insights. Together they give you the most comprehensive view of an applicant's creditworthiness available from TransUnion.
Frequently asked questions
Simple, clean API responses
Structured JSON you can parse, store and act on immediately. No XML. No SOAP. No surprises.
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.