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

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.

Prescreens

Develop targeted acquisition campaign lists that reflect your ideal members, 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 members.

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

Income Estimator and Debt-to-Income Estimator

Understand a consumer’s income and debt levels to build more targeted acquisition campaigns and increase response.

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 prospects to grow wallet share with this high-growth segment.

TransUnion Auto Summary

Gain a deeper understanding of your members’ current financing and history with TransUnion Auto Summary.

New Auto Loan Prescreen Packages

Find the prospects most likely to purchase a vehicle within 60 days using TransUnion New Auto Loan Prescreen Packages.

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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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

Frequent portfolio review are critical to profitable decisions

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 portfolio management strategies.

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 income and debt levels to better manage the risk within your portfolio.

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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 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.

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 member’s identity.

Identity Alert Solutions

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 fraud prevention 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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