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Flexible, Scalable, Configurable, Stable, Compliant.

Manage Every Stage of Your Auto Loan and Lease Lifecycle.

PARTNER SPOTLIGHT:
TRANSUNION

At TransUnion, we see information not just for what it can do, but for what it can help people achieve. That’s why we’ve joined forces with defi SOLUTIONS to help businesses better understand their consumers, make more informed decisions and, ultimately, make trust possible.

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TruVision™ Credit Report

TruVision Credit Report offers current, comprehensive information when evaluating the credit capacity and financial behavior of a consumer to make informed business decisions.


Our database maintains approximately 500 million business and client credit histories worldwide1, provided by more than 85,000 credit-granting institutions.


Learn more about TruVision for Acquiring Right-Fit Customers


1 Source: 2021 TransUnion analysis

TruVision™ Trended Data

TruVision Trended data is a suite of solutions that enables more precise lending decisions based on the enhanced ability to identify specific credit trends. Enriched data and analytics provide a more comprehensive view of consumer performance, so decisions can be improved across the account lifecycle.


TruVision Trended data provides broader and deeper data on consumers with 30 months of historical data allowing institutions to see patterns and behaviors invisible in point-in-time views. Using models that incorporate this 30 months of account history help increase approvals and bookings while reducing losses.

Learn more about TruVision for Predicting Behavior

TruVision™ Blended Credit Risk Models

TruVision™ Blended Credit Risk Models were the first risk scores in market to combine both directional trended credit data and alternative data sources. These scores provide the precision and predictive intelligence needed to create a clearer picture of how consumers manage their credit. That clarity yields a more precise score, giving you greater control and confidence to grow.

Learn more about TruVision Blended Credit Risk Models product overview

TruValidate™ Identity Verification

TruValidate Identity Verification confirms the authenticity of consumer-provided information against rich datasets, including credit card data, public data, device data and alternative data across multiple global markets in real time.


Make informed decisions with full context risk scoring, including contributing factors, alerts and match results. Leverage consumer behavior, synthetic fraud, utilization and velocity data to transact with confidence.


Learn more about TruValidate Identity Verification

TruValidate™ Fraud Alerts

As part of TransUnion’s Identity Insights suite of solutions, TruValidate™ Fraud Alerts leverages diverse and robust data to flag identity anomalies and delivers a risk score — helping you determine who to trust — as well as preemptive follow-up strategies for preventing future fraud.


Get real-time flags of high-risk, suspect data. Fraud Alerts identify and notify you on such attributes as related to SSN, address, telephone, consumer fraud, possible synthetic identity alerts and many other suspect elements.


Learn more about TruValidate Identity Verification

TruValidate™ Synthetic Fraud Model

TruValidate™ Synthetic Fraud Model is a purpose-built model that analyzes consumer behaviors, uncovers data input anomalies and identifies risk throughout critical points of the customer journey, enabling greater confidence.


The TruValidate Synthetic Fraud Model is available as an FCRA permissible purpose solution, GBLA solution, or both. Each arrives at a score in a different manner as they examine unique attributes. When combined, there is a small segment of unique fraud catch not identified by using either model alone.


Learn more about TruValidate Synthetic Fraud Model

TruValidate™ Early Payment Default

As part of TransUnion’s Fraud Analytics suite of solutions, TruValidate™ Early Payment Default is an FCRA model to help manage risk from originations through line sloping or adverse action.


Early Payment Default offers a precision approach to identifying segments of potential borrowers with indications of a likelihood to default (60+ days past due) within the first 5 months of account origination. It can be a great complement to existing fraud and risk solutions, or be used as a stand-alone model.

 

About TU

TransUnion is a global information and insights company that makes trust possible in the modern economy. We do this by providing a comprehensive picture of each person so they can be reliably and safely represented in the marketplace. As a result, businesses and consumers can transact with confidence and achieve great things. We call this Information for Good®.

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