TransUnion

A global information and insights company providing credit reporting, risk, fraud, and identity solutions. One of the three largest consumer credit bureaus in the United States, serving businesses and consumers across multiple international markets. Its credit and TruValidate decisioning APIs are contract-gated, but its TruContact Trusted Call Solutions business — acquired with Neustar in December 2021 — publishes an open, MIT-licensed OpenAPI for the STIR/SHAKEN call authentication and verification service.

TransUnion publishes 7 API contracts indexed on the APIs.io network, including Authentication Service API, Signing API, Verification API, and 4 more. Tagged areas include Finance, Credit Reporting, Risk Management, Identity, and Fraud Prevention.

The TransUnion catalog on APIs.io includes 1 Spectral governance ruleset.

TransUnion’s developer surface includes authentication, product news, engineering blog, and 23 more developer resources.

🌐 Visit website 📡 Profile data on GitHub

27.7/100 thin ▬ flat Agent 31/100 agent ready Heartbeat 75/100 alive saas Full breakdown ↓
scored 2026-11-06 · rubric v0.27.0 · Show this score on your site →

2 published contracts 2 Agent Skills

Finance Credit Reporting Risk Management Identity Fraud Prevention Marketing TelecommunicationsCall AuthenticationSTIR/SHAKEN

Kin Score

Kin Score How this is scored →
scored 2026-11-06 · rubric v0.27.0

Composite quality — 27.7/100 · thin

Contract Quality 8.2 / 19

Developer Ergonomics 6.0 / 15

Access Clarity 0.0 / 15

Operational Transparency 1.3 / 10

Contract Governance 1.6 / 9

Discoverability 4.4 / 8

Regulatory Posture 2.9 / 15

Create-or-Update Ergonomics 0.0 / 10

Agent readiness — 31/100 · agent ready

Machine-Readable Contract 18 / 18

Agentic Access Contract 0 / 10

Documented Reversibility 0 / 6

MCP Server 0 / 12

Machine-Readable Auth 10 / 10

Idempotency 0 / 9

Stable Error Semantics 8 / 8

Request/Response Examples 7 / 7

Rate-Limit Signaling 7 / 7

Typed Event Surface 0 / 6

Agent Skills 5 / 5

Well-Known Catalog 0 / 4

Consent & Bot Identity 0 / 3

A2A Agent Card 0 / 8

Dry-Run / Simulate Mode 0 / 4

Delegated User Identity 0 / 6

Protected Resource Metadata 0 / 5

Registration Without a Human 0 / 6

Agentic Commerce Well-Known Document 0 / 5

Pagination 5 / 5

Distinct Operations 3 / 3

MCP Tool Quality 6 / 6

Regulatory Posture applies to this provider. Its tags matched the Telecommunications regime, so Regulatory Posture carries 15 points of the composite. If this regime is wrong for your business, say so on your provider repo — the applicability map is public and we will correct it.

Create-or-Update Ergonomics applies to this provider. This API accepts writes, so it carries 10 points of the composite. It is scored from the published contracts themselves: whether a caller can create-or-update in one call, whether the write accepts a key the caller already holds, and whether the response says which branch ran. Without that, every write needs a search-and-branch in front of it, and the first time that check is skipped a duplicate record is created. Scored against the observed mean rather than raw — a provider at the catalog average is unchanged by this facet, not penalised by it.

The six quality facets above are damped to 75 points between them, because the conditional facet above carries the other 25. That is why each facet's contribution is shown against a damped maximum: raising a quality facet moves the composite by 75% of its nominal weight, not 100%. The full arithmetic is at apis.io/rating/.

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Agent readiness — checks not met, largest first (exact, from this profile):

MCP Server +12 pts — deployment.mode + probe verdict on the mcp/ manifest, not the pointer; an unprobed slug falls back to authorship
Agentic Access Contract +10 pts — agentic_access artifact present (x-agentic-access), graded by author
Idempotency +9 pts — OpenAPI mutating operations declare an idempotency key — a header, a request-body property, or a named de-duplication token whose own description says so (verified); else common[].type matches /idempoten/i (documented)
A2A Agent Card +8 pts — a2a/-a2a.yml manifest, graded on conformance.grade against A2A 1.0.0
Registration Without a Human +6 pts — a `registration_endpoint` in the served RFC 8414 / OIDC discovery document
Delegated User Identity +6 pts — a served discovery document listing authorization_code in grant_types_supported (served), else an oauth2 authorizationCode flow or openIdConnect declared in an OpenAPI (documented)

7 more unmet checks in the Agent Readiness table above.

Kin Score — facets with the most composite points still available (weight × headroom):

Access Clarity scores 0.0 — up to +20.0 composite points
Contract Quality scores 43.7 — up to +14.1 composite points
Developer Ergonomics scores 39.9 — up to +12.0 composite points

Each check links to what satisfies it. Publish the artifact, or tell us where it already lives, and the score moves on the next scoring run.

Improve this rating by publishing the missing artifacts — every area above can be raised, and the full rubric is at apis.io/rating/. Every facet and dimension name above is a link: it opens that measurement's own page — what it means, the exact checks that feed it, how the whole catalog distributes on it, and the providers at the top of it. This rating is computed from the provider profile at artifacts.apis.io/transunion/apis.yml: open an issue on github.com/api-evangelist/transunion to ask a question or point us at an artifact you publish. Submit an artifact on GitHub — free → Manage your own listing — the Influence plan, $499/mo →

Markets this provider is in provisional

The Kin Score Market layer reads a provider inside its market: its position, and how deep its integrations go. Depth is only comparable within a position. Provisional and unweighted: not part of the Kin Score or agent readiness.

Market	Position	Depth	Registered MCP server	Declares compatibility
RegTech, AML/KYC and Money Transmission	standard	43.3	-	-
Data Marketplaces (data providers on cloud data platforms)	standard	43.3	-	-
Zoom App Marketplace and Partner Ecosystem (builders and partners on Zoom)	standard	43.3	-	-
UK G-Cloud Suppliers (UK public-sector cloud procurement)	standard	43.3	-	-

Registered MCP server and declares compatibility are report only — not weighted. Undeclared means we found nothing we can read, so there is no number: we never infer integrations.

Standards implemented 2

Standards this provider implements or carries. De facto ones are profiled and measured by the API Commons; formal ones come from the standards directory and are linked by the provider's own tags. The evidence column says how each claim was established — not that it was made.

OpenAPI

measured — observed by APIs.io (published)

Mutual TLS

measured — observed by APIs.io (declared)

APIs 7

Individual APIs this provider publishes, each with its own machine-readable definition.

TransUnion Global Developer Portal

TransUnion's API products for credit reporting, identity verification, fraud prevention and consumer risk decisioning. Access requires a business agreement with TransUnion and c...

TransUnion TruValidate Device Risk

Device recognition and fraud signals, formerly iovation FraudForce. Mobile SDKs collect a device "blackbox" that is submitted to a risk check from your servers. The API host api...

TransUnion Authentication Service API

This API endpoint uses the following data elements ('required' elements identified) in the REQUEST to create a SIP Identity header. Based on the HTTP header of 'Content-Type' (e...

TransUnion Signing API

Used to construct a PASSporT "shaken" JSON Web Token, a PASSporT "div" JSON Web Token or a PASSporT "rph" JSON Web Token. Also, referred to as the Secure Telephone Identity Auth...

TransUnion Verification API

Used to verify one or more PASSporT JSON Web Tokens (or Identity headers). Also, referred to as the STI Verification Service (STI-VS).

TransUnion Verification Service API

Currently, a RESTful API client is required to provide an 'apiKey' query parameter with a pre-provisioned value to access API calls that are restricted. If the 'apiKey' paramete...

TransUnion Verification Service with Call Validation Treatment (CVT) API

The Verification Service with Call Validation Treatment (CVT) API from TransUnion — 1 operation(s) for verification service with call validation treatment (cvt).

Scroll for all 7

Open Collections 2

Open, tool-agnostic API collections (OpenAPI-derived and Bruno).

3GPP-based Call Authentication APIs

OPEN COLLECTION

STIR/SHAKEN Authentication & Verification Service APIs

OPEN COLLECTION

Agent Skills 2

Packaged agent skills for driving this provider's APIs from an AI assistant.

Sign an outbound call with a SHAKEN PASSporT

AGENT SKILL

Verify an inbound call and apply Call Validation Treatment

AGENT SKILL

TransUnion API pricing

Pricing Plans 1

Published pricing tiers and plan structures.

Transunion Plans Pricing

0 plans

PLANS

Rate Limits 1

Documented rate limits and quota policies.

Transunion Rate Limits

0 limits

RATE LIMITS

Spectral Rules 1

Spectral governance rulesets for linting and validating these APIs.

TransUnion API Rules

49 rules · 39 errors 4 warnings 6 info

SPECTRAL

OpenAPI Overlays 2

Overlays applied on top of this provider's contracts. Each card says who wrote it: a document the provider publishes, or one API Evangelist derived or generated.

Transunion Trucontact 3Gpp Call Authentication Overlay

2 actions · update · transunion-trucontact-3gpp-call-authentication-openapi.yml

DERIVED

Transunion Trucontact Tcs Shaken Overlay

5 actions · security · transunion-trucontact-tcs-shaken-openapi.yml

DERIVED

Security Posture 3

Authentication, domain security, vulnerability disclosure, and trust-center signals.

Transunion Authentication

apiKey/ip-allowlist/mutualTLS · 3 schemes

SECURITY

Transunion Domain Security

TLSv1.3 · DMARC

SECURITY

Transunion Vulnerability Disclosure

Hackerone · security.txt · contact published

SECURITY

Resources

Agent Surfaces 2

MCP servers, agent skills, and machine-readable catalogs

AgentSkill

AgentSkill

LLMsTxt

LLMsTxt

Design & Contract 5

Pagination, idempotency, versioning, errors, and events

ErrorCatalog

Conventions

Conformance

Lifecycle

DataModel

Build 3

SDKs, sample code, and the tooling you integrate with

Packages

Packages

SDKs

SDKs

GitHubOrganization

GitHubOrganization

Access & Security 4

Authentication, authorization, and security posture

DomainSecurity

DomainSecurity

VulnerabilityDisclosure

VulnerabilityDisclosure

Security

Security

Authentication

Authentication

Operate 1

Status, limits, changes, and where to get help

RateLimits

RateLimits

Commercial 1

Pricing, plans, and the legal terms of use

Plans

Plans

Company 7

The organization behind the API

LinkedIn

Website

News

Investors

Careers

About

Blog

Scroll for all 7

Other 3

Properties that don't map to a standard resource type

Overlay

Overlay

Overlay

Overlay

Business

Business

Source (apis.yml)

aid: transunion
url: https://raw.githubusercontent.com/api-evangelist/transunion/refs/heads/main/apis.yml
name: TransUnion
type: Index
deliveryModel:
  model: saas
  license_evidence:
    not_product:
    - iovation/deviceprint-sdk-android
    - iovation/deviceprint-sdk-ios
    - neustar/tcs-apis
  open_source: unknown
  commercial: true
  callable_host: false
  label: Hosted service · you call their endpoint
  confidence: low
  source:
  - openapi
  - pricing
  - repository-not-product
  generated: '2026-09-25'
  method: derived
accessModel:
  pricing: contract
  onboarding: sales-gate
  trial: false
  try_now: false
  public: false
  label: Contract only
  confidence: high
  source:
  - plans/transunion-plans-pricing.yml
  generated: '2026-08-13'
  method: searched
image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/icons/transunion.png
tags:
- Finance
- Credit Reporting
- Risk Management
- Identity
- Fraud Prevention
- Marketing
- Telecommunications
- Call Authentication
- STIR/SHAKEN
tags_raw:
- Financial
- Credit Reporting
- Risk
- Identity
- Fraud
- Marketing
- Telecommunications
- Call Authentication
- STIR/SHAKEN
description: A global information and insights company providing credit reporting, risk, fraud, and identity solutions. One
  of the three largest consumer credit bureaus in the United States, serving businesses and consumers across multiple international
  markets. Its credit and TruValidate decisioning APIs are contract-gated, but its TruContact Trusted Call Solutions business
  — acquired with Neustar in December 2021 — publishes an open, MIT-licensed OpenAPI for the STIR/SHAKEN call authentication
  and verification service.
created: '2026-05-05'
modified: '2026-08-13'
specificationVersion: '0.23'
apis:
- aid: transunion:global-developer-portal
  name: TransUnion Global Developer Portal
  description: TransUnion's API products for credit reporting, identity verification, fraud prevention and consumer risk decisioning.
    Access requires a business agreement with TransUnion and credentials issued by an account manager; no machine-readable
    contract is published. The historical portal host developer.transunion.com no longer resolves (NXDOMAIN, checked 2026-08-13),
    so the live technical surface is Client Technical Services.
  image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/apis-json-logo.jpg
  humanURL: https://techservices.transunion.com/
  x-base-url-note: No baseURL recorded. developer.transunion.com — carried here since 2026-05 — is NXDOMAIN as of 2026-08-13,
    and no public TransUnion document states a production API host for these products. Recorded as missing rather than guessed
    from the domain.
  tags:
  - Credit Reporting
  - Identity
  - Fraud Prevention
  - Risk Decisioning
  - Consumer Insights
  properties:
  - type: Documentation
    url: https://techservices.transunion.com/doc-repository
  - type: Solutions
    url: https://www.transunion.com/business
- aid: transunion:truvalidate-device-risk
  name: TransUnion TruValidate Device Risk
  description: Device recognition and fraud signals, formerly iovation FraudForce. Mobile SDKs collect a device "blackbox"
    that is submitted to a risk check from your servers. The API host api.iovation.com is behind mutual TLS — it answers "Unauthorized
    - missing/invalid client certificate" to any anonymous request — and no OpenAPI is published.
  image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/apis-json-logo.jpg
  humanURL: https://github.com/iovation
  baseURL: https://api.iovation.com
  x-ownership-note: iovation was acquired by TransUnion in 2018 and its device products were rebranded TruValidate; the SDK
    READMEs state it directly — "We have united these solutions under the TransUnion TruValidate brand."
  tags:
  - Fraud Prevention
  - Device Intelligence
  - Identity
  - Authentication
  properties:
  - type: SourceCode
    url: https://github.com/iovation/deviceprint-SDK-iOS
  - type: SourceCode
    url: https://github.com/iovation/deviceprint-SDK-Android
- aid: transunion:transunion-authentication-service-api
  name: TransUnion Authentication Service API
  description: "This API endpoint uses the following data elements ('required' elements identified) in the REQUEST to create\
    \ a SIP Identity header. Based on the HTTP header of 'Content-Type' (e.g. json, text/plain), the request body (data) can\
    \ include various data elements. Please refer to the examples for more details.\n\nThree different API entry points are\
    \ defined for SIP Identity header creation:\n  * Accepts requests in JSON format and produces responses in JSON format\n\
    \  * Accepts text messages in text/plain and produces responses in JSON format\n  * Accepts text messages in text/plain\
    \ and produces responses in text/plain format"
  humanURL: https://neustar.github.io/tcs-apis/
  baseURL: https://{hostname}:{port}/{optionalRoutingPath}
  tags:
  - AuthenticationService
  tags_raw:
  - Authentication Service
  properties:
  - type: OpenAPI
    url: openapi/transunion-authentication-service-api-openapi.yml
  - type: Documentation
    url: https://neustar.github.io/tcs-apis/
  - type: APIReference
    url: https://neustar.github.io/tcs-apis/
  - type: SourceCode
    url: https://github.com/neustar/tcs-apis
  - type: Solutions
    url: https://www.transunion.com/solution/trucontact/branded-communications/trusted-call-solutions
- aid: transunion:transunion-signing-api
  name: TransUnion Signing API
  description: Used to construct a PASSporT "shaken" JSON Web Token, a PASSporT "div" JSON Web Token or a PASSporT "rph" JSON
    Web Token.  Also, referred to as the Secure Telephone Identity Authentication Service (STI-AS).
  humanURL: https://neustar.github.io/tcs-apis/
  baseURL: https://{hostname}:{port}/{optionalRoutingPath}
  tags:
  - Signing
  tags_raw:
  - signing
  properties:
  - type: OpenAPI
    url: openapi/transunion-signing-api-openapi.yml
  - type: Documentation
    url: https://neustar.github.io/tcs-apis/
  - type: APIReference
    url: https://neustar.github.io/tcs-apis/
  - type: SourceCode
    url: https://github.com/neustar/tcs-apis
  - type: Solutions
    url: https://www.transunion.com/solution/trucontact/branded-communications/trusted-call-solutions
- aid: transunion:transunion-verification-api
  name: TransUnion Verification API
  description: Used to verify one or more PASSporT JSON Web Tokens (or Identity headers).  Also, referred to as the STI Verification
    Service (STI-VS).
  humanURL: https://neustar.github.io/tcs-apis/
  baseURL: https://{hostname}:{port}/{optionalRoutingPath}
  tags:
  - Verification
  tags_raw:
  - verification
  properties:
  - type: OpenAPI
    url: openapi/transunion-verification-api-openapi.yml
  - type: Documentation
    url: https://neustar.github.io/tcs-apis/
  - type: APIReference
    url: https://neustar.github.io/tcs-apis/
  - type: SourceCode
    url: https://github.com/neustar/tcs-apis
  - type: Solutions
    url: https://www.transunion.com/solution/trucontact/branded-communications/trusted-call-solutions
- aid: transunion:transunion-verification-service-api
  name: TransUnion Verification Service API
  description: "Currently, a RESTful API client is required to provide an 'apiKey' query parameter with a pre-provisioned\
    \ value to access API calls that are restricted. If the 'apiKey' parameter is not specified, the client IP address may\
    \ be used as the backup authentication mechanism if pre-provisioned.\n\nThree different API entry points are defined for\
    \ SIP Identity header verification:\n  * Accepts requests in JSON format and produces responses in JSON format\n  * Accepts\
    \ text messages and produces responses in JSON format\n  * Accepts text messages and produces responses in SIP format"
  humanURL: https://neustar.github.io/tcs-apis/
  baseURL: https://{hostname}:{port}/{optionalRoutingPath}
  tags:
  - Verification Service
  properties:
  - type: OpenAPI
    url: openapi/transunion-verification-service-api-openapi.yml
  - type: Documentation
    url: https://neustar.github.io/tcs-apis/
  - type: APIReference
    url: https://neustar.github.io/tcs-apis/
  - type: SourceCode
    url: https://github.com/neustar/tcs-apis
  - type: Solutions
    url: https://www.transunion.com/solution/trucontact/branded-communications/trusted-call-solutions
- aid: transunion:transunion-verification-service-with-call-validation-treatment-cvt-api
  name: TransUnion Verification Service with Call Validation Treatment (CVT) API
  description: The Verification Service with Call Validation Treatment (CVT) API from TransUnion — 1 operation(s) for verification
    service with call validation treatment (cvt).
  humanURL: https://neustar.github.io/tcs-apis/
  baseURL: https://{hostname}:{port}/{optionalRoutingPath}
  tags: []
  tags_raw:
  - Verification Service with Call Validation Treatment (CVT)
  properties:
  - type: OpenAPI
    url: openapi/transunion-verification-service-with-call-validation-treatment-cvt-api-openapi.yml
  - type: Documentation
    url: https://neustar.github.io/tcs-apis/
  - type: APIReference
    url: https://neustar.github.io/tcs-apis/
  - type: SourceCode
    url: https://github.com/neustar/tcs-apis
  - type: Solutions
    url: https://www.transunion.com/solution/trucontact/branded-communications/trusted-call-solutions
common:
- type: Overlay
  url: overlays/transunion-trucontact-tcs-shaken-overlay.yaml
- type: Overlay
  url: overlays/transunion-trucontact-3gpp-call-authentication-overlay.yaml
- type: DomainSecurity
  url: security/transunion-domain-security.yml
- type: VulnerabilityDisclosure
  url: security/transunion-vulnerability-disclosure.yml
- type: Security
  url: https://hackerone.com/transunion
- type: Authentication
  url: authentication/transunion-authentication.yml
- type: ErrorCatalog
  url: errors/transunion-problem-types.yml
- type: Conventions
  url: conventions/transunion-conventions.yml
- type: Conformance
  url: conformance/transunion-conformance.yml
- type: Lifecycle
  url: lifecycle/transunion-lifecycle.yml
- type: DataModel
  url: data-model/transunion-data-model.yml
- type: Packages
  url: packages/transunion-packages.yml
- type: SDKs
  url: packages/transunion-packages.yml
- type: AgentSkill
  url: skills/_index.yml
- type: LLMsTxt
  url: llms/transunion-llms.txt
- type: Plans
  url: plans/transunion-plans-pricing.yml
- type: RateLimits
  url: rate-limits/transunion-rate-limits.yml
- type: GitHubOrganization
  url: https://github.com/neustar
- type: LinkedIn
  url: https://www.linkedin.com/company/transunion
- type: Website
  url: https://www.transunion.com/
- type: Business
  url: https://www.transunion.com/business
- type: Solutions
  url: https://www.transunion.com/solutions
- type: News
  url: https://newsroom.transunion.com/
- type: Investors
  url: https://investors.transunion.com/
- type: Careers
  url: https://careers.transunion.com/
- type: About
  url: https://www.transunion.com/about-us
- url: https://newsroom.transunion.com/feed/
  type: Blog
maintainers:
- FN: API Evangelist
  email: info@apievangelist.com
  X: '@apievangelist'
x-enrichment:
  date: '2026-08-13'
  status: enriched
  artifacts_added: 20
  pass: local-v1

TransUnion API — frequently asked questions

Does TransUnion have an API?

Yes. APIs.io lists 7 APIs from TransUnion, including TransUnion Global Developer Portal, TransUnion TruValidate Device Risk and TransUnion Authentication Service API, and 4 more.

Is there an OpenAPI specification for the TransUnion API?

Yes. APIs.io indexes 5 OpenAPI specifications for TransUnion, each linked for download from this page.

How do I authenticate with the TransUnion API?

TransUnion uses bearer-token authentication (apiKey/ip-allowlist/mutualTLS · 3 schemes). The details are profiled on APIs.io as Transunion Authentication.

Is the TransUnion API ready for AI agents?

TransUnion has a Kin Score of 27.7 out of 100 (thin) and an Agent Readiness score of 31.2 (agent-ready), scored by API Evangelist on 2026-11-06.

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