Risk Scores and Models

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

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® Classic 08, FICO® Auto 08 and FICO® Bankruptcy are available from TransUnion.

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.
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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.

Get more information on the available TransUnion risk scores and models.

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