Credit reporting provides information and insight you can use to make more informed lending decisions. You can acquire more customers, retain your most valuable ones and manage risk better. TransUnion credit data is provided and shared by TransUnion clients. These institutions maintain high-quality data by regularly reporting and updating account information.
TransUnion is committed to providing full-file data, which means that both positive and negative data are contributed and reported. This allows a more complete view of a consumer’s credit history and improves your ability to make more objective decisions.
Our automated decision-making platform
You can use DecisionCentre to make decisions with greater accuracy, consistency and predictiveness. By applying sophisticated analytics, scoring and models to multiple data sources, DecisionCentre can streamline and standardize time-consuming business processes, and help you reduce risk and increase profits. The ASP platform makes it an affordable, scalable and flexible solution—no matter the size of your business or your volume of data. DecisionCentre also integrates with the credit bureau for facilitating consistent decision-making throughout the customer lifecycle.
Fraud and Identity Management
We put verification and authentication processes in place to help you know whom you are doing business with, in order to reduce the risk of identity theft. Our identity management solutions are scalable and flexible to meet a wide range of client needs. Our experience includes developing identity management solutions that access multiple data sources, to address the needs of markets where there is no consistent identification system. In addition, we can assist with compliance efforts.
TransUnion offers risk scores, risk analytics, risk models, risk decisioning and portfolio management services. With our expertise, TransUnion can apply these solutions to almost any data source—including your own data, outside data or data available in the market—and configure and integrate solutions seamlessly. Our customizable approach results in more informed decisions and, ultimately, increased revenue and reduced losses.
We help our clients efficiently locate debtors, prioritize who is most likely to pay and optimize the collections process. This can enable you to recover more while reducing administrative costs.
TransUnion in the Philippines, Asia and Worldwide
As the first international credit bureau in the Philippines, we combine local knowledge and talent with global resources to help businesses better manage risk and customer relationships, and to help consumers achieve their financial goals.
Regionally and worldwide, TransUnion is a leader in building the credit industry and introducing best practices. For example, since 2001, TransUnion has been active in India as the technical partner and a shareholder in CIBIL, the first credit bureau in India. We have introduced the market's first score and a number of other solutions designed expressly for the market.
We have built credit bureaus from the ground up in many countries around the world. This gives us a deep and extensive understanding of local needs and concerns, enhanced by the expertise and insights we have gained around the world. The result is greater success for our clients.