TransUnion Products and Services

Key TransUnion tools and services can get you the information you need to succeed. Sarma serves as the sole sales agent for TransUnion product and service lines the Texas regions south of Austin to the Texas/Mexico border. We have been the experts for over 100 years and can help you with any credit and credit related service needs. Contact our staff about any of these topics.

Credit Reports

Credit Report Employment, Credit Report ID Report with Score, and Quick Check Report

Assists in credit decisions by providing detailed loan and payment history information. Assists in employment decisions by providing loan, payment and employment history. Verifies contact information and evaluates applicants for delinquency and bankruptcy risk using name and Social Security number. Offers two-day turnaround on changes to disputed consumer credit information.

Credit Report Add-ons

Geo Code,   ID Mismatch Alert, Lender Score Disclosure, OFAC Name Screen

Helps financial institutions' compliance efforts with federal regulations, including the Community Reinvestment Act (CRA) and the Home Mortgage Disclosure Act (HMDA). Provides specific information needed to report detailed geographical descriptions of portfolio and lending footprint. Helps reduce incidents of inaccurate or fraudulent data from becoming part of a consumer's file by verifying applicant information before opening an account. Enables lenders to disclose to consumers the TransUnion or FICO score received when underwriting a loan secured by real property for a consumer purpose. Helps lenders comply with the Fair Credit Reporting Act (FCRA) and the Fair and Accurate Credit Transactions (FACT) Act. Provides name screening/verification service for compliance with the Office of Foreign Assets Control (OFAC) and the USA PATRIOT Act.

Fraud Credit Report Add-ons

High Risk Fraud Alert

Issues actionable warnings about information that appears genuine but in reality may be questionable by using one of the industry's most complete national files of potentially fraudulent information. Assists in deterring fraud by searching for questionable consumer information that appears genuine.

Fraud and Identity Detection Tools

High Risk Fraud Search and Compliance Verification

Compares application input data to a multi-sourced database, and provides an easy-to-understand summary of the pertinent results, which are quantified as numeric point assessments and displayed in a verification summary. This non-permissible purpose service helps meet compliance regulations such as the USA PATRIOT Act.

Contact Verification and Contact Verification Plus

Verifies name, address and phone number information from a comprehensive database of contact information in the Unites States and Puerto Rico that is updated daily with more than one million changes. Contact Verification Plus validates the type and status of customer-provided phone information for hard-toreach markets, such as students who may only have wireless phones or individuals with thin or non-existent credit files.

Identity Manager Verification^SM

Helps financial institutions' compliance efforts with federal regulations, including the Community Reinvestment Act (CRA) and the Home Mortgage Disclosure Act (HMDA). Provides specific information needed to report detailed geographical descriptions of portfolio and lending footprint.

Fraud Response Services

Credit Monitoring, Credit Bureau Notification and Dedicated Telephone Assistance

Provides consumer with access to credit report and automatic notifications of critical credit report changes. Alerts all three credit reporting companies of suspected fraud to help protect consumers against identity theft; uses Consumer Data Industry Association (CDIA) fraud alert exchange. Allows fraud victims to obtain assistance from professional counselors in reviewing credit files and handling suspected identity theft/fraud.

Fraud Models

Fraud Models

Summarizes results from a multi-sourced database search, indicating applicants who are likely to have a high risk for fraud. Produces a unique score that enables companies to enhance verification efforts of new or prospective customers to help determine identity theft applicants.

Fraud Analytics

Fraud Analytical Reports

Reviews customer data and produces a series of reports that examine the effectiveness of our fraud products on the customer's portfolio by using innovative analytics.

Portfolio Management

Custom Management Triggers, Custom Portfolio Review, Express Portfolio Review (EPR)

Monitors portfolios for specific, customer-defined changes in customer's credit behavior on a daily basis, enabling companies to respond faster and reduce both risk and losses. Customized and automated solution. Evaluates both positive and negative changes to an accountholder's credit status on a weekly, monthly, quarterly or as-needed basis, enhancing an organizations' ability to identify retention opportunities, increase customer loyalty and improve profit potential. Uses standard characteristics/attributes, streamlined batch processing, and a limited file size through TransUnion DeskTop to provide two updated risk scores and reason codes for better portfolio and change management.

Risk Decision Systems

Instant Credit Risk Scree, Advanced Decisioning Express and Decisioning Instant Review

Uses predetermined credit data to make on-the-spot automated decisions about granting credit to individuals, providing instant information about whether to approve, decline or review the terms of an offer. Provides credit decisions in real time using predetermined customer decision rules, Tri-Bureau characteristics and models. Provides two pre-configured services: Express Prescreen automatically qualifies new or existing customers for pre-selected products or services at point of service. Express Credit Risk Screen delivers instant, automated decisions by applying the optimal preconfigured criteria to credit data. Evaluates existing accountholders to increase or decrease credit limits, levels of deposit or manage portfolio risks.

Risk Models

TransUnion Account Management Model, TransUnion Bankruptcy Model, TransUnion Industry Risk Models*, TransUnion New Account Model, FICO Bankruptcy Risk Scores, FICO Industry Risk Scores**, FICO Risk Scores, and Multi-Model Cascade

Helps manage accounts and predicts the likelihood of an existing accountholder becoming 90 days or more delinquent in a 24-month period by using credit data and modeling technology. Incident-based risk solution enables companies to identify prospects, applicants or existing accountholders likely to file for bankruptcy within a 12-month time frame. Identifies consumers likely to become 60, 90 or more days delinquent within a 12-month period for various industries by using credit data and modeling technology. Several industry specific models are available. Identifies the likelihood of new prospects and applicants becoming 90 days or more delinquent within a 24-month period by using credit data and modeling technology. Predicts the relevant bankruptcy loss ratio of a prospect or existing customer over a six to 18-month period and calculates the bankruptcy loss potential relative to the amount of revenue a prospect or an existing accountholder is likely to generate during that same time frame. Identifies consumers likely to become 90 days or more delinquent within a 24-month period for various industries by using credit data and modeling technology. Several industry specific models are available. Uses credit data and modeling technology to predict the likelihood that a prospect, applicant or existing accountholder will become 90 days or more delinquent within a 24-month period. FICO Classic and NextGen models available. Uses multiple scoring models in a cascading effect to reduce the number of unscored files returned to customers. Helps evaluate more transactions, reduce risk and minimize manual reviews.

*TransUnion Industry Models include Auto, Insurance and Broadband. **Fair Isaac Industry Risk Scores include Auto, Bankcard, Finance, Installment and industry options such as Insurance.

Vantage Score

Uses Tri-Bureau credit data and characteristic leveling to identify consumers likely to become 90 days or more delinquent within a 24-month period.

L2C Thin File Model

Uses alternative data to provide the intelligence needed to assess the creditworthiness of those consumers who were previously unscoreable.

Risk Analytics

Benchmarking, Credit Characteristics, Custom Modeling, Forecasting

Identifies a company's portfolio performance compared to the national, regional or local consumer financial landscape by using historical trends in consumer financial behavior. Provides a list of predefined credit characteristics summarizing various aspects of a credit report for use in model development, data analysis, prescreen selection criteria, customer profiling and migration analysis. Tailors the development of a predictive model specific to an organization's unique business requirements by using multi-sourced information. Determines how changes will affect a company's portfolios and targeted consumer financial landscape by using historical trends in consumer financial behavior and leading macroeconomic indicators.

Retrospective Analysis

Validates how well a specific model, multiple models or characteristics will predict future consumer behavior on a company's portfolio by using historical credit information.

Segmentation Analysis

Uses advanced statistical methods to analyze a company's portfolio, helping to plan and execute acquisitions, account management and collection strategies more effectively. Analysis helps better define prospects and customers, allowing for more tailored marketing offers and risk management strategies.

Trend Analysis

Tracks the movement of consumer risk nationally and in targeted regions over time to assist companies in aligning their credit strategies to their market and to mitigate potential risk.

Universe Expansion

Helps increase the total number of people marketed to and accepted as customers without increasing risk levels.

Collections, Credit Reports and Add ons

Collection Credit Report

Modified credit report designed to support collections process by quickly locating debtors by focusing on recent credit activity and providing valuable information, including identifying demographics, tradeline activity with account status, public record activity, collection activity and special message activity. Provides predictive, summarized data from a credit file to improve decision-making for collection activities. Identifies uncollectible debt by alerting companies to Social Security Numbers appearing on the Social Security Administration's Deceased Index. Provides essential intelligence for effective credit decisioning or collection activities and can be used to locate accountholders and provide verification of names, addresses, birth dates and Social Security numbers. Returns indicative information (name and member code of inquiring subscriber who requested the report as well as the request date) from inquiries made to a consumer's file within the last 90 days. Helps verify applicant information and identity more easily by using a multi-sourced telephone database and helps locate accountholders and debtors faster while reducing time spent searching separate telephone databases. Provides identifying information (name, address, etc.) that matches a supplied Social Security number.

Collections Prioritization

Credit Characteristics, Deceased Indicator, ID Report, Inquiry Analysis, Phone Append, SSN Report, Collection Prioritization Engine

Helps target collections' efforts to those accounts most likely to repay by combining the best aspects of multiple searches into a comprehensive report to equip collectors with predictive characteristics and current contact information.

Strategy Builder

Enables customers to test, receive and implement actionable collections strategies without disrupting their current processes.

Location Services

ID Search

Helps locate missing individuals and past-due accounts by returning multiple files and indicating the "best matched" consumer file. Helps locate debtors or lost accountholders by watching for changes in credit behavior on individual accounts based on selected criteria and identifies new contact information for up to 36 months. Matches the given ten-digit phone number to a current name and address by accessing a multi-source database.

Individual Monitoring Report, Reverse Phone Append, SSN Search, Contact Locator

Uses only the Social Security number as input to return up to six files that match the provided number, which can verify consumer information and may provide new addresses and details that enhance collections process. Enables companies to identify the location of debtors quickly and more effectively, reducing calls to disconnected or wrong numbers, returned notification mailings and wasted call center agent time.

Debt Management Models

Bankcard Recovery Model

This model helps prioritize collection accounts while maximizing recovery and resource efficiency during collections activities.

Debt Management Analytics

Portfolio Valuation, Treatment Strategy Optimization, Collection Custom Modeling, Collections Segmentation, Collections Retros

Combines predictive analytics with proven development methods to analyze the likelihood of recovering money from a given portfolio, enabling companies to estimate the total amount recoverable to determine the pricing for a portfolio being sold or acquired. Analyzes portfolios and costs to determine the best way to collect on any given account. Improves collection efforts by allowing companies to tailor models to include additional credit characteristics, third-party data and masterfile information unique to their business. Identifies which credit characteristics are better predictors of performance for individual portfolios. Validates how well specific models or characteristics predict future behavior on a portfolio.

Pre-Screens and Lists

Custom Prescreen, Instant Prescreen, Acquisition Triggers, Cross-Sell Triggers

Identifies prospects for credit marketing campaigns that closely resemble key customers from both a risk and marketing perspective. Assists in identifying new account or cross-sell opportunities at point of purchase. Identifies instant marketing opportunities using changes in key credit information. Identifies cross-sell opportunities using changes in key credit information.

Contact Manager

Enables customers to verify, correct or enhance name, address and phone number from highly-accurate telco based sources to improve customer databases and maximize ROI from direct marketing campaigns.

TransUnion New Mover

Helps customers generate more leads within a "ready to buy" audience for improved targeting and direct marketing ROI.

Marketing Models

Marketing Models, Credit Behavior Revenue, Home Value and Income Predictive Triggers

A full range of standard and custom models and scores to help increase response rates and target the right prospects. We have several types of models that all can be used off the shelf or modified to meet your specific needs. Uses credit behaviors to identify groups of high responders. Predicts the likelihood of generating net revenue from a new bankcard account. Estimates an individual's home value or individual income for permissible marketing applications. Identify which prospects are likely to act before they do.

Direct Marketing

Creative Development and Execution Response Management

Gives clients access to the capabilities of a full-service agency to help create clear, concise messages that improve response rates and return on investment. Capabilities include media buying and placement, production management, and program planning. Assists in acquiring new customers over the Internet and helps create activation and usage programs for existing accounts. Response Management can help financial institutions accept and approve credit card applications, allow customers to activate their credit card accounts, and process balance transfers and cash advances to incent customers to use their credit cards.

Market Analytics

Analytical Reports, Credit Characteristics, Custom Modeling, Predictive Triggers, Platform Response Analysis, Payment Dynamics

Helps improve response/activation rates by using analytics, credit characteristics and previous marketing campaign data. Aggregates key credit data to provide information for evaluating the value of a portfolio, identifies different treatment strategies by account segment and reduces the time and cost involved in programming and auditing custom characteristics. Provides highly predictive models, from development through implementation, based on business requirements. Uses advanced technologies and credit data. Identifies which credit changes trigger specific consumer behavior by using a powerful analytics platform. Better predicts future campaign performance by identifying the key characteristics from previous marketing campaigns. Combines consumer payment preference information with real consumer credit data to help customers understand exactly how consumers choose between all the different payment options in their wallet and which they prefer.