TransUnion is like a giant treasure chest that keeps information about grown-up people's money. When you get older and start paying for things like toys or snacks, the grown-ups use money to buy them. TransUnion keeps track of how well those grown-ups pay for their things. If the grown-ups always pay on time, TransUnion makes a note that they are good at using their money. But if the grown-ups don't pay on time or forget to pay some things, TransUnion makes a note that they are not so good at using their money. This helps other grown-ups decide if they want to give the not-so-good grown-up more money to buy more toys or snacks.