TruValidate Inquiry and Trade Velocity
Identify potential loan stacking risks in real time.
Product Capabilities
Loan inquiry tracking
Monitor hard inquiry activity across 10-time windows (current day, past week, two weeks, month and <180 days) for more granular risk assessments.
Real-time trade velocity data
Access opened tradeline information across the same 10-time windows to identify emerging loan stacking patterns.
Robust credit network coverage
Capture personal loan hard inquiries from within TransUnion’s extensive credit network and outside credit networks for maximum visibility.
Flexible implementation options
Easily add to existing fraud prevention tools, credit reports and model reports — or use as a standalone batch service.
Multiple evaluation touch points
Assess consumers at prequalification (soft inquiry) and funding (hard inquiry) stages before issuing credit or funds.
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