{"id":809089,"date":"2025-02-05T08:15:25","date_gmt":"2025-02-05T13:15:25","guid":{"rendered":"https:\/\/www.marketnewsdesk.com\/index.php\/transunion-introduces-truvision-alternative-bank-risk-score-to-help-lenders-better-assess-consumers-with-limited-credit-histories\/"},"modified":"2025-02-05T08:15:25","modified_gmt":"2025-02-05T13:15:25","slug":"transunion-introduces-truvision-alternative-bank-risk-score-to-help-lenders-better-assess-consumers-with-limited-credit-histories","status":"publish","type":"post","link":"https:\/\/www.marketnewsdesk.com\/index.php\/transunion-introduces-truvision-alternative-bank-risk-score-to-help-lenders-better-assess-consumers-with-limited-credit-histories\/","title":{"rendered":"TransUnion Introduces TruVision Alternative Bank Risk Score to Help Lenders Better Assess Consumers with Limited Credit Histories"},"content":{"rendered":"

\nNew solution is enabled by the company\u2019s OneTru\u2122 platform and aims to increase transparency for lenders
\n<\/h2>\n
\n

CHICAGO, Feb. 05, 2025 (GLOBE NEWSWIRE) — Despite a strong employment picture, some consumers are still struggling financially due to elevated inflation and higher than normal interest rates. The lowest income households (those earning less than $50,000) face another challenge, with only 35% indicating they have sufficient access to credit and lending products.i<\/sup> In an effort to provide lenders with a clearer picture of thin- or no- file consumers, including those who may not be gaining sufficient access to credit, TransUnion (NYSE: TRU) introduced today the TruVision Alternative Bank Risk Score.<\/p>\n

This score includes checking and banking data applicable to the short-term lending space and can be used to enhance lenders\u2019 existing underwriting scores. It offers a more holistic view of a consumer\u2019s financial behavior and enhances the accuracy of credit risk decisions. The TruVision Alternative Bank Risk Score is enabled by TransUnion\u2019s OneTru\u2122 solution enablement platform, which now houses the company\u2019s short-term lending data.<\/p>\n

This solution evaluates a consumer\u2019s banking activities to assist in predicting their future financial behavior, particularly their likelihood of defaulting on loans or other credit obligations. The score complements the existing suite of tools that TransUnion already provides to lenders to help them in determining credit risk. It can be used with existing risk scores or as a standalone tool for underwriting.<\/p>\n

\u201cThe addition of the TruVision Alternative Bank Risk Score to TransUnion\u2019s existing Alternative Lending suite of credit risk scores offers lenders a deeper look at potential borrowers who may otherwise have no, or very limited, credit history, as well as subprime borrowers,\u201d said Liz Pagel, senior vice president of consumer lending at TransUnion. \u201cIt can aid in improving the predictive power of risk models, helping to identify potential risks that might be missed when relying on a single data source.\u201d<\/p>\n

In addition to helping lenders make more informed decisions, this score can potentially offer some consumers with limited credit histories an alternate pathway to credit, by providing a more comprehensive view of their financial behavior, identifying those creditworthy consumers who may lack a traditional credit history but demonstrate responsible banking behavior.<\/p>\n

A recent report<\/a> from the Federal Deposit Insurance Corporation (FDIC) revealed that one in six households had no mainstream credit, and this percentage was significantly higher among lower-income households, those with a lower educational ceiling, and minority households. The report also indicated that those households without mainstream credit likely did not have a credit score with credit bureaus, making it that much harder to obtain credit moving forward.<\/p>\n

TransUnion\u2019s Q4 2024 Consumer Pulse found that lower-income consumer households have a much more difficult time accessing credit.<\/p>\n

\n Lower Income Households Do Not Feel They Have Sufficient Access to Credit and Lending Products. <\/strong>\n <\/p>\n\n\n\n\n\n
\u00a0<\/td>\n\n Low (<$50K)<\/strong>\n <\/td>\n\n Medium ($50-99K)<\/strong>\n <\/td>\n\n High ($100k+)<\/strong>\n <\/td>\n<\/tr>\n
\n Have Sufficient Access<\/strong>\n <\/td>\n35%<\/td>\n64%<\/td>\n80%<\/td>\n<\/tr>\n
\n Neither Agree nor Disagree <\/strong>\n <\/td>\n31%<\/td>\n21%<\/td>\n11%<\/td>\n<\/tr>\n
\n Do Not Have Sufficient Access<\/strong>\n <\/td>\n34%<\/td>\n15%<\/td>\n8%<\/td>\n<\/tr>\n<\/table>\n

Source: TransUnion Consumer Pulse, November 2024<\/p>\n

\u201cTransUnion has long provided lenders with access to a wide range of tools, resources, and data with which informed lending decisions can be made,\u201d said Jason Laky, executive vice president and head of financial services at TransUnion. \u201cIn this increasingly complex economic environment, many consumers, lower income or otherwise, are seeking credit with limited or non-existent traditional credit histories. The use of a broad suite of alternative credit data tools offers lenders a new and important tool in assessing risk among these consumers.\u201d<\/p>\n

To learn more about how TransUnion gives lenders a Tru picture of consumers – helping them better assess creditworthiness and expand access to credit, click here<\/a>.<\/p>\n

For consumers looking to learn more about how to build their credit, click here<\/a>.<\/p>\n

\n About TransUnion (NYSE: TRU) <\/strong>\n <\/p>\n

TransUnion is a global information and insights company with over 13,000 associates operating in more than 30 countries. We make trust possible by ensuring each person is reliably represented in the marketplace. We do this with a Tru\u2122 picture of each person: an actionable view of consumers, stewarded with care. Through our acquisitions and technology investments we have developed innovative solutions that extend beyond our strong foundation in core credit into areas such as marketing, fraud, risk and advanced analytics. As a result, consumers and businesses can transact with confidence and achieve great things. We call this Information for Good\u00ae \u2014 and it leads to economic opportunity, great experiences and personal empowerment for millions of people around the world.<\/p>\n

\n http:\/\/www.transunion.com\/business<\/a>\n <\/p>\n

\n i<\/sup> Q4 2024 TransUnion Consumer Pulse study<\/p>\n\n\n\n\n\n\n\n
\n Contact<\/strong>\n <\/td>\nDave Blumberg<\/td>\n<\/tr>\n
\u00a0<\/td>\nTransUnion<\/td>\n<\/tr>\n
\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
\n E-mail<\/strong>\n <\/td>\ndavid.blumberg@transunion.com<\/td>\n<\/tr>\n
\u00a0<\/td>\n\u00a0<\/td>\n<\/tr>\n
\n Telephone<\/strong>\n <\/td>\n312-972-6646<\/td>\n<\/tr>\n<\/table>\n

\"\"
\n
\n \"\"\n <\/div>\n

<\/div>\n","protected":false},"excerpt":{"rendered":"

New solution is enabled by the company\u2019s OneTru\u2122 platform and aims to increase transparency for lenders CHICAGO, Feb. 05, 2025 (GLOBE NEWSWIRE) — Despite a strong employment picture, some consumers are still struggling financially due to elevated inflation and higher than normal interest rates. The lowest income households (those earning less than $50,000) face another challenge, with only 35% indicating they have sufficient access to credit and lending products.i In an effort to provide lenders with a clearer picture of thin- or no- file consumers, including those who may not be gaining sufficient access to credit, TransUnion (NYSE: TRU) introduced today the TruVision Alternative Bank Risk Score. This score includes checking and banking data applicable to the short-term lending space … <\/p>\n

Continue reading “TransUnion Introduces TruVision Alternative Bank Risk Score to Help Lenders Better Assess Consumers with Limited Credit Histories”<\/span><\/a><\/p>\n","protected":false},"author":2,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[],"tags":[],"class_list":["post-809089","post","type-post","status-publish","format-standard","hentry"],"yoast_head":"\nTransUnion Introduces TruVision Alternative Bank Risk Score to Help Lenders Better Assess Consumers with Limited Credit Histories - Market Newsdesk<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.marketnewsdesk.com\/index.php\/transunion-introduces-truvision-alternative-bank-risk-score-to-help-lenders-better-assess-consumers-with-limited-credit-histories\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"TransUnion Introduces TruVision Alternative Bank Risk Score to Help Lenders Better Assess Consumers with Limited Credit Histories - Market Newsdesk\" \/>\n<meta property=\"og:description\" content=\"New solution is enabled by the company\u2019s OneTru\u2122 platform and aims to increase transparency for lenders CHICAGO, Feb. 05, 2025 (GLOBE NEWSWIRE) — Despite a strong employment picture, some consumers are still struggling financially due to elevated inflation and higher than normal interest rates. The lowest income households (those earning less than $50,000) face another challenge, with only 35% indicating they have sufficient access to credit and lending products.i In an effort to provide lenders with a clearer picture of thin- or no- file consumers, including those who may not be gaining sufficient access to credit, TransUnion (NYSE: TRU) introduced today the TruVision Alternative Bank Risk Score. 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