Acquisition, Risk Management, and Portfolio Management Solutions

Our combination of data, analytics and an in-depth understanding of your industry can help you develop more profitable marketing and risk management strategies across your business and customer lifecycle.

Better manage every aspect of the consumer lifecycle

Build more sophisticated growth strategies.

With competitive market conditions, your bank must consider new strategies to grow business and acquire profitable accounts. But without the right tools in place to effectively manage the potential risks, any expansion effort could lead to a serious negative impact on your bottom line. Work with TransUnion to grow your portfolio while managing risk.

Acquisition Solutions

Prescreens

Develop targeted acquisition campaign lists that reflect your ideal customers, and manage lists of prospects that satisfy your desired risk and marketing specifications.

Risk Scores and Models

Make consistent risk decisions by leveraging various models and scores, including bankruptcy and delinquency models, to reduce exposure in marketing efforts.

Universe Expansion

Apply existing strategies to population segments that you do not currently target, while better predicting performance, to grow your business.

Acquisition Triggers

Improve response rates without increasing the risk profile of acquired customers.

  • More than 20 individual predictive triggers
  • Four model-based predictive triggers

CreditVision®Income Estimator and Debt-to-Income Estimator

Understand a consumer’s ability to pay and execute more targeted offers while managing risk.

Alternative Data

Supplement traditional credit scores with alternative data sources to improve acquisition strategies and mitigate losses.

  • TransUnion TLOxp
  • L2C Model
  • Adjustable-Rate Mortgage Data

Small Business Identification Solution

Proactively identify and target the small business population to take advantage of this high-growth segment.

Decisioning Solutions

Make fast, consistent decisions by creating a single, real-time customer profile to approve more prospects and grow your bottom line.

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Identify customer credit changes earlier and take action.

The risk in your portfolio can fluctuate daily. Understanding these changes can be the key to improved risk management strategies and decision making across lines of business. Address positive and negative customer credit changes quickly, and take action to increase profitability.

Gain a clearer picture of your portfolio

With an in-depth understanding of the market and our customers' needs, TransUnion has developed a comprehensive suite of risk management solutions for your portfolio.

  • Reduce exposure to delinquencies and charge-offs resulting in losses
  • Address ongoing regulatory scrutiny
  • Identify your best customers to improve retention

Frequent portfolio review are critical to profitable decisions

Portfolio Management Solutions

Express Portfolio Review

Manage portfolio risk on a quarterly, monthly or any other basis that fits your business needs with this self-service online solution.

  • Access multiple scores and pre-packaged credit attributes
  • Results in less than 48 hours

Express Portfolio Compare

Identify consumer changes on a monthly or quarterly basis with criteria that you choose.

  • Multiple change criteria options available based on your business needs
  • Once setup is complete, the process is automated

Custom Portfolio Review

Tailor your portfolio reviews to better fit your unique business needs and risk management strategies.

  • Access an unlimited number of standard and custom attributes
  • Flexible file sizes and customized result outputs
  • Partner with dedicated TransUnion consultants

Risk Scores and Models

Make consistent risk decisions leveraging various models and scores, including bankruptcy and delinquency models, to improve risk management strategies for your portfolio.

Account Management Triggers

Address risk earlier than solely cycle-based portfolio management solutions.

  • Monitor accounts on a daily basis
  • Tailor design based on the needs of your portfolio

Alternative Data

Supplement traditional credit scores with alternative data sources to further segment accounts and reduce exposure.

  • TransUnion TLOxp
  • L2C Model
  • Adjustable-Rate Mortgage Data

Income Estimator and Debt-to-Income Estimator

Understand a consumer’s ability to pay to better manage the risk within your portfolio.

Decisioning Solutions

Make fast, consistent decisions by creating a single, real-time customer profile to improve the profitability of existing customers and grow your bottom line.

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Collect more. Spend less. It can be easy with TransUnion.

Determine which accounts you're most likely to collect from and apply strategies that will help you collect more efficiently. And reach more accountholders earlier in the collections cycle to recover more dollars.

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Manage identities throughout the customer lifecycle.

TransUnion Fraud and Identity Management solutions give you the flexibility to address varying degrees of risk across business lines and transaction channels.

  • Improve operational efficiencies
  • Quickly approve good customers
  • Better meet regulatory compliance requirements, such as Red Flags and USA Patriot Act
  • Improve consumer privacy and user experience

Greater value from a single solution

TransUnion identity management solutions combine advanced decisioning capabilities with a risk-based approach to offer significant value to your business. Now, you can address risk at the individual level and develop an identity management system that adapts to your business needs.

Use a scalable, intelligent platform that can fit the unique needs of your business.

Greater Value From a Single Solution

Identity Decisioning

Leverage this risk-based decisioning platform designed to assess consumer and situational risk in order to execute the best tools and strategies for identity management.

Identity Manager Verification

Verify and validate consumer-provided information against multiple third-party data sources to identify any discrepancies and potential fraud.

Identity Manager Authentication

Initiate a knowledge-based question-and-answer session to help further confirm a consumer’s identity.

Identity Alert

Leverage this risk-based decisioning platform designed to assess consumer and situational risk in order to execute the best tools and strategies for identity management.

Fraud Response Services

Take a proactive approach to security and respond quickly to data breaches if they happen.

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Offer our award-winning consumer products to your customers.

Obtain additional revenue opportunities and increase customer loyalty by offering our award-winning consumer products to your customers. All of our solutions can be cobranded or fully branded to deliver a seamless customer experience.

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