Firm adds additional data to its new CreditVision credit score, including actual payment amounts.
TransUnion reports 157 million consumers had credit cards in 2014.
TransUnion says auto loan delinquencies have risen above 2010 levels but are sharply below 2008's numbers.
Credit data firm will make scores available to those who sign up for credit tracking services.
Mortgage delinquencies set to drop to lowest point since Q3 2007.
Average loan balance rises from $16,694 to $17,090.
The national mortgage delinquency rate falls 17% in one year. All 50 states experience 12-month delinquency declines as of Sept. 30.
Credit union executives said auto and mortgage lending are the first and second best opportunities for credit union growth in 2015.
Survey from TransUnion shows credit union executives are bullish on next year's lending prospects.
The $2.7B Tower FCU brings in $5.6 million in balance transfers using a recapture program.