{"id":982231,"date":"2026-07-16T08:21:48","date_gmt":"2026-07-16T12:21:48","guid":{"rendered":"https:\/\/www.marketnewsdesk.com\/index.php\/transunion-brings-new-alternative-credit-signals-to-mortgage-decisioning\/"},"modified":"2026-07-16T08:21:48","modified_gmt":"2026-07-16T12:21:48","slug":"transunion-brings-new-alternative-credit-signals-to-mortgage-decisioning","status":"publish","type":"post","link":"https:\/\/www.marketnewsdesk.com\/index.php\/transunion-brings-new-alternative-credit-signals-to-mortgage-decisioning\/","title":{"rendered":"TransUnion Brings New Alternative Credit Signals to Mortgage Decisioning"},"content":{"rendered":"

\nAlternative Credit Attributes advance TransUnion\u2019s legacy of innovation with more comprehensive data for smarter mortgage decisions
\n<\/h2>\n
\n

CHICAGO, July 16, 2026 (GLOBE NEWSWIRE) — TransUnion (NYSE: TRU) today announced an enhancement to its mortgage credit report, with the addition of TruVision\u2122 Alternative Credit Attributes (ACA 2.0) from its FactorTrust\u00ae Alternative Lending Database to expand lenders\u2019 visibility beyond traditional credit data.<\/p>\n

The new alternative credit attributes give lenders earlier insight into borrower stability and intent, enabling them to prioritize high-potential applicants earlier in the funnel, streamline workflows and focus resources on loans more likely to convert. Applied as early as the prequalification stage, the data helps reduce risk sooner in the decisioning process. It also supports more consistent underwriting and enables competitive pricing for qualified borrowers.<\/p>\n

By layering alternative financial signals alongside traditional credit data, the new ACA 2.0 attributes deepen mortgage risk assessments and provide greater visibility into the consumer\u2019s full wallet. Moreover, these enhanced insights are delivered at no additional cost, enabling lenders to improve decision quality without increasing underwriting expense.<\/p>\n

\u201cThis enhancement reflects our continued focus on giving mortgage lenders a more complete and actionable view of borrower behavior,\u201d said Satyan Merchant, senior vice president and mortgage and automotive business leader at TransUnion. \u201cBy bringing richer credit insight earlier into the process, lenders can make more confident decisions, reduce unnecessary risk and concentrate their efforts on applicants most likely to convert\u2014ultimately enabling more efficient access to credit for qualified consumers.\u201d<\/p>\n

\n
\n Continuing a History of Mortgage Lending Innovation<\/em>
\n <\/strong>\n <\/p>\n

This latest enhancement to the mortgage credit report builds on TransUnion\u2019s legacy of innovation that helps lenders better assess consumer creditworthiness. These include:<\/p>\n