You can obtain your credit report through the following three methods:
Subscription with TransUnion
Pay a monthly fee of HK$280 to TransUnion, which allows you to check your credit record unlimited times each month and receive credit alerts.
Free Credit Report Following a Rejection
If your credit application (including credit card, loan, or mortgage applications) is rejected by a financial institution that has accessed your credit data through TransUnion, you will receive a rejection letter. Follow the instructions in the letter to request a free credit report.
Simply send your name and the name of the bank or financial institution listed in the rejection letter to tufoc@transunion.hk, and TransUnion will email you a specific code within three working days.
Free via the MoneyHero App
Use the MoneyHero App to check your credit score and report for free. After completing identity verification, users can log in and check unlimited times without affecting their credit score. Credit alerts are also provided.
(Credit scores and identity verification services are provided by TransUnion.)