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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.

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Better manage every aspect of the consumer lifecycle

ACQUISITION

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. Learn more >>	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. Learn more >>

Universe Expansion Apply existing strategies to population segments that you do not currently target, while better predicting performance, to grow your business. Learn more >>	Acquisition Triggers Improve response rates without increasing the risk profile of acquired customers. More than 20 individual predictive triggers Four model-based predictive triggers Learn more >>

Income Estimator and Debt-to-Income Estimator Understand a consumer’s ability to pay and execute more targeted offers while managing risk. Learn more >>	Alternative Data Supplement traditional credit scores with alternative data sources to improve acquisition strategies and mitigate losses. ID Analytics Credit Optics and Credit Optics Plus L2C Model Adjustable-Rate Mortgage Data Learn more >>

Small Business Identification Solution Proactively identify and target the small business population to take advantage of this high-growth segment. Learn more >>	Decisioning Solutions Make fast, consistent decisions by creating a single, real-time customer profile to approve more prospects and grow your bottom line. Learn more >>

Trend Data Gain a more accurate picture of industry trends and credit behavior over time, so you can improve benchmarking, forecasting and stress testing. Learn more >>

PORTFOLIO MANAGEMENT

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 Learn more >>	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 Learn more >>

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 Learn more >>	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. Learn more >>

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 Learn more >>	Alternative Data Supplement traditional credit scores with alternative data sources to further segment accounts and reduce exposure. ID Analytics Credit Optics and Credit Optics Plus L2C Model Adjustable-Rate Mortgage Data Learn more >>

Income Estimator and Debt-to-Income Estimator Understand a consumer’s ability to pay to better manage the risk within your portfolio. Learn more >>	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. Learn more >>

Trend Data Gain a more accurate picture of industry trends and credit behavior over time, so you can improve benchmarking, forecasting and stress testing. Learn more >>

FIRST-PARTY COLLECTIONS

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

FRAUD AND IDENTITY MANAGEMENT

Manage identities throughout the customer lifecycle.

See all Transunion Financial Services solutions >>

Contact us

Address your unique acquisition, portfolio management, collections and identity management needs with advanced TransUnion solutions.

866-922-2100
Monday - Friday
Hours: 9 am - 4:30 pm EST

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Mortgage and Credit Card Delinquencies Expected to Experience Double Digit Decreases This Year

Read more about TransUnion annual consumer credit forecasts for mortgage and credit card on Market Perspectives.

Go to Market Perspectives