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our global solutions.
Credit Union Solutions
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Search keyword: credit unions
Credit Union Solutions
Our combination of data, analytics and an in-depth understanding of the industry can help you improve relationships across the member lifecycle.
Better manage every aspect of the member lifecycle
ACQUISITION
Build more sophisticated growth strategies.
With competitive market conditions, credit union solutions must support new strategies to grow your foundation and acquire members. 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 institution. Work with TransUnion to grow your portfolio while managing risk, and meet the needs of your members.
ACQUISITION SOLUTIONS
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Prescreens
Develop targeted acquisition campaign lists that reflect your ideal members, and manage lists of prospects that satisfy your desired risk and marketing specifications.
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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.
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Universe Expansion
Apply existing strategies to population segments that you do not currently target, while better predicting performance, to grow your business.
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Acquisition Triggers
Improve response rates without increasing the risk profile of acquired members.
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Income Estimator and Debt-to-Income Estimator
Understand a consumer’s income and debt levels to build more targeted acquisition campaigns and increase response.
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Alternative Data
Supplement traditional credit scores with alternative data sources to improve acquisition strategies and mitigate losses.
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Small Business Identification Solution
Proactively identify and target the small business prospects to grow wallet share with this high-growth segment.
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Trend Data
Gain a more accurate picture of industry trends and credit behavior over time, so you can improve benchmarking, forecasting and stress testing.
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TransUnion Auto Summary
Gain a deeper understanding of your members’ current financing and history with TransUnion Auto Summary.
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New Auto Loan Prescreen Packages
Find the prospects most likely to purchase a vehicle within 60 days using TransUnion New Auto Loan Prescreen Packages.
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Auto Refinance Prescreen Packages
Get insight into the loan terms your members have with other institutions using TransUnion Auto Refinance Prescreen Packages.
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PORTFOLIO MANAGEMENT
Identify member credit changes earlier and take action.
The risk in your portfolio can fluctuate daily. Understanding these changes can be the key to improved strategies and decision making across lines of business.
Address positive and negative member 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 portfolio management solutions.
- Reduce exposure to delinquencies and charge-offs resulting in losses
- Address ongoing regulatory scrutiny
- Identify your best customers to improve retention
PORTFOLIO MANAGEMENT SOLUTIONS
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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.
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Express Portfolio Compare
Identify consumer changes on a monthly or quarterly basis with criteria that you choose.
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Custom Portfolio Review
Tailor your portfolio reviews to better fit your unique business needs and risk management strategies.
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Risk Scores and Models
Make consistent risk decisions leveraging various models and scores, including bankruptcy and delinquency models, to improve portfolio management strategies.
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Account Management Triggers
Address risk earlier than solely cycle-based portfolio management solutions.
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Alternative Data
Supplement traditional credit scores with alternative data sources to further segment accounts and reduce exposure.
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Income Estimator and Debt-to-Income Estimator
Understand a consumer’s income and debt levels to better manage the risk within your portfolio.
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Trend Data
Gain a more accurate picture of industry trends and credit behavior over time, so you can improve benchmarking, forecasting and stress testing.
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FIRST-PARTY COLLECTIONS
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.
Refine your strategies to collect more for less.
Get faster, easier skip tracing
FRAUD AND IDENTITY MANAGEMENT
Manage identities throughout the member 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 members
- Comply with regulations, such as Red Flags and the Fair and Accurate Credit Transactions Act (FACTA)
- 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 member 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 credit union – throughout the member lifecycle.
Use a scalable, intelligent platform that can fit the unique needs of your credit union – throughout the member lifecycle.
FRAUD AND IDENTITY MANAGEMENT SOLUTIONS
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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.
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Verification
Verify and validate consumer-provided information against multiple third-party data sources to identify any discrepancies and potential fraud.
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Authentication
Initiate a knowledge-based question-and-answer session to help further confirm a member’s identity.
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Fraud Response Services
Take a proactive approach to fraud prevention and respond quickly to data breaches if they happen.
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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
866-922-2100
Monday - Friday
Hours: 9 am - 4:30 pm EST
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.
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