Make credit information even more powerful by adding optional data and features to your credit reports
TransUnion credit report add-ons are useful tools that give you a more holistic view of consumers—leading to better-informed decisions. By gathering additional information from consumers’ credit reports and profiles, you have the ability to review recent and current activities to locate individuals, verify personal information and contact subscribers on credit reports to ask questions. Each extra step builds a bigger picture of the consumer you are dealing with, which can potentially lessen your risk.
Choose from a variety of credit add-ons based on business needs to gain better consumer insights
Access a snapshot of current and previous auto finance history, including: APR estimate, payment information and creditor name, and contact information.
Receive condensed categories of information from a consumer’s credit file and a concise summary of their financial picture.
Get the name, address and telephone number information for creditors and public record subscribers listed on a consumer’s credit report.
Receive specific information needed to report detailed geographical descriptions of portfolio and lending footprint, to aid in your efforts to comply with federal regulations, including the Community Reinvestment Act (CRA) and the Home Mortgage Disclosure Act (HMDA).
Verify an applicant’s information to reduce incidents of inaccurate or fraudulent data from becoming part of a consumer’s file.
Receive valuable information from inquiries made to a consumer’s file within the last 90 days including the subscriber’s name, customer code and inquiry date.
Comply with the Office of Foreign Assets Control (OFAC) and the USA PATRIOT Act with name screening and verification.
Compare input Social Security Number to file SSN and receive a digit-by-digit Yes/No match indicator even if the file SSN is suppressed.
Obtain multiple updated phone numbers sourced nightly from telephone companies, as well as the TransUnion consumer file, to help you locate debtors.
Monitor consumer credit files to identify changes in contact information or credit behavior quickly and cost-effectively.
Protect customers from loss by helping them to quickly and accurately identify consumer applications that exhibit elevated fraud risk.