Risk Scores and Models

TransUnion risk models can help your business make sound, confident and consistent consumer credit decisions — leveraging a number of delinquency and bankruptcy predictors.

CreditVision Link Risk Scores

CreditVision® LinkSM is the first and only score in market to combine both trended credit bureau data and alternative data sources, resulting in a clearer picture of a consumer’s risk, as well as their ability to manage financial commitments. With CreditVision Link, lenders can score up to approximately 95% of the U.S. adult population and more than 60 million traditional “no-hits” and unscorable records can now be scored. The combination of the data allows users to score with far more precision.
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TransUnion New Account Model

New accounts behave differently than those at other stages in the lifecycle. This model enables you to better identify new or prospective applicants who are most likely to become 90 days or more delinquent within a 24-month timeframe.


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.

FICO® Risk Scores

FICO Risk Scores use information from the extensive TransUnion consumer credit repository to assess a consumer’s risk of severe delinquency–potentially resulting in charge-offs or bankruptcy–over a 24-month period. FICO scores help identify and separate reliable borrowers from those likely to become 90 or more days delinquent. Various scores including FICO® 8 are available from TransUnion.

TransUnion Bankruptcy Model

This incidence-based risk model offers increased predictive strength to help you better identify prospects, applicants or existing accountholders most likely to file bankruptcy within a 12-month timeframe. Leverage this solution in conjunction with a delinquency risk model to enhance predictive capabilities.

TransUnion Propensity Models

Credit characteristics across the consumer database are analyzed to determine the likelihood of inquiries across all business lines. These models help you target the right prospects with prequalified offers to which they are more likely to respond for more cost-effective prescreen marketing campaigns.

TransUnion Propensity Models include:

  • Auto Inquiry: Likelihood to apply for an auto loan
  • Bankcard Inquiry: Likelihood to apply for a bankcard
  • Bankcard Usage: Likelihood to open a bankcard and generate a balance of $500 or more in the first month
  • Home Equity: Likelihood to open a home equity trade
  • Mortgage Inquiry: Likelihood to apply for a mortgage
  • Prime Bankcard: Likelihood for a consumer with a prime risk score to open a bankcard
  • Sub-prime Bankcard: Likelihood for a consumer with a sub-prime risk score to open a bankcard

TransUnion Account Management Model

Better manage existing accounts, make key account decisions, and identify more profitable customers across product lines. This model helps to predict the likelihood of an existing accountholder becoming 90 days or more delinquent in a 24-month period.

For a complete list of TransUnion risk scores and models, download this PDF.

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