Portfolio Management Solutions

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

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.

  • ID Analytics Credit Optics and Credit Optics Plus
  • L2C Model
  • Adjustable-Rate Mortgage Data

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

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.

Express Portfolio Compare

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

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

Income Estimator and Debt-to-Income Estimator

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

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.

Trend Data

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

VantageScore

Developed by the three credit reporting companies, TransUnion, Equifax and Experian, VantageScore uses credit data and characteristic leveling to identify consumers likely to become 90 or more days delinquent within a 24-month period. Make more consistent credit decisions by applying the same attributes to different sets of data and simplify decisioning with a single policy that can be used across credit reporting companies.