Credit use focus of upgraded reporting capability.
Credit rater introduces the idea of the Total Payment Ratio, finds some partial and full balance card payers are better overall risks.
Credit bureau says consumers adding less to credit lines, using less of what they have.
The ratio of borrowers that are 60 more days past due on their auto loans continue to remain at near historic low levels, TransUnion says.
TransUnion says rate of mortgage holders more than 60 days behind now at 5.19%, primarily driven by older loans.
Debt collection generates highest rate of disputes, report released Thursday adds.
Agency adds credit reporting to list of consumer complaint types it's handling.