TransUnion 2010 US Credit Card Delinquency Forecast
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www.transunion.com Ever ask yourself what is a credit score why is it important? You credit score could make the difference when making life’s important purchases. From your dream home, to your dream car—It’s one of the most critical things that can make or break your purchase power. Credit scores don’t have to be so complex. In this video TransUnion—The Source tries to take away the ambiguity and will walk you through a credit score definition and explain why a credit score is important. For more information on your credit score and to view your free credit score, visit: www.transunion.com
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www.transunion.com No one wants to become a victim of fraud or identity theft. Yet few consumers take or even know the proper fraud prevention measures to keep their personal information secure. That’s why TransUnion – The Source provides the fraud prevention tools you need, not only to prevent fraud but to identify it quickly if ever it does occur. Fraud prevention is simply too important to ignore. Check out the following video from TransUnion – The Source and start protecting yourself from Fraud and Identity Theft today! For more information on Fraud prevention and to view your free credit score visit www.transunion.com
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Answer by Dont_taze_me_bro
it’s a risk model, not a thermometer

What do you think? Answer below!

Boston, MA (PRWEB) July 20, 2009

Premiere online property management software company Buildium, LLC today announced an agreement with TransUnion, one of the country’s three major credit-reporting companies, to provide landlords and property managers with access to the same tenant screening technology used by the largest property management groups.

“Our partnership with TransUnion gives landlords and property managers access to one of the industry’s most comprehensive criminal and credit background databases,” says Michael Monteiro, partner and co-founder of Buildium, LLC. “Through an untroubled easy-to-follow process, landlords tin get the information they need to make an informed decision and prospective tenants can have peace of mind that their information is protected.”

Integrated into Buildium’s user-friendly online property management software, this new tenant screening feature allows customers to run background checks on prospective tenants directly from the Buildium program. Once an applicant’s identity is verified by TransUnion through a self-initiated, secure online process, results and recommendations are then relayed in real-time to the landlord through Buildium’s interface.

“TransUnion’s goal is to make tenant screening accessible to landlords and property managers of all sizes as well as respecting the privacy of consumer applicants,” says Kristen Hillier, senior manager with TransUnion Rental Screening Solutions. “With Buildium’s technology and integrated platform, we are bringing actionable data to the rental community at a time when it is most needed due to the dynamic nature of the economy.”

Buildium, LLC is an innovative property management software company that provides simple and affordable online solutions to professional property management companies and self-managed condos and HOAs alike. Founded in 2003, today Buildium’s online property management tools are used to manage more than 150,000 commercial and residential units worldwide.

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Finally, independent landlords can access the same tenant screening tools as the largest property managers. Learn more about TransUnion SmartMove! Visit TransUnion Smartmove at: www.mysmartmove.com

Montrose, CA (PRWEB) May 19, 2011

Merit Credit Systems has announced that the Merit Credit Engine software (MCE) now provides programmers with API support for the full suite of TransUnion Decision Systems Services. With MCE, developers of custom credit check solutions have a cross-platform tool to easily implement a complex analysis of consumer credit report data for real-time automated decisioning, without the need for detailed knowledge of TransUnion’s protocols, codes, segments, and other technical specifications.

Depending on options, TransUnion subscribers can use MCE to automate a yes-no decision for prescreening customers, instant cross-sell marketing, or general lending purposes. The capabilities are designed to identify potential customers that are especially well qualified in a particular way, and filter-out consumers with specific high-risk characteristics using four TransUnion products, now referenced in MCE by their new “Instant” names:

Instant Prescreen is used in telemarketing and interactive on-line sales to immediately assess how well a contact qualifies for additional marketing efforts, such as cross selling of related products. Formerly known as ACQUIRE Select.

Instant Credit Risk Screen (ICRS) is a general credit decisioning tool yielding a “yes or no” lending decision based on user-customizable criteria. Lenders can set up weightings and filters for very specific credit report characteristics, so as to “hit the sweet spot” of their target market. Formerly ACQUIRE Express.

Instant Review is used in periodic re-evaluation of existing customers. For example, it helps lenders decide when to lower or increase a line of credit. Accounts can be flagged for identifiable risk factors, such as an increasing debt-to-income ratio. Replaces ACQUIRE Review.

Instant Deposit Screen is designed for the telecom and utilities industry to segment potential customers by risk criteria. Typically, it is used in systems to minimize risk by setting an initial minimum deposit amount in a terms-of-service contract. Formerly called ACQUIRE Connect.

The MCE software API provides a way to easily request each of these TransUnion credit products, with all response data in a format ideal for developers building customized systems, often designed to be “non-operator attended.” In cases where a lending officer needs a full credit report for review, MCE’s SQL database can archive a print image report, complete with “decision band,” potentially streamable to the officer’s display or printer, over a company’s secure in-house web service.

About Merit Credit Systems
Merit Credit Systems (http://creditengine.clearing) is a leading provider of enterprise-level attributing report software, simplifying direct access to credit information from Equifax, Experian and TransUnion. Merit also provides developer tools for XML credit report and tri-merge capabilities as options for its Merit Credit Engine software.

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, Vocus PRW Holdings, LLC. Vocus, PRWeb, and Publicity Wire are trademarks or registered trademarks of Vocus, Inc. or Vocus PRW Holdings, LLC.

Related Trans Union Press Releases

Chicago and Toronto (PRWEB) March 18, 2008

Alterian (ALN: LSE), the guiding world enterprise marketing platform provider, has announced that TransUnion will commence applying the Alterian Marketing Services Platform in the first quarter of 2008. The Alterian Platform will equip TransUnion to easy manage, segment and analyze one of Canada’s big databases of consumer credit files.

The decision to partner with Alterian comes after a detailed evaluation and existing familiarity with the Alterian platform, as used by its US-based parent for over three years.

“The decrease in turn-around time and efficiencies our U.S. customers have received from the deployment was key to our decision moving forward in Canada,” said Tom Higgins, director of Analytic and Decisioning Services, TransUnion Canada. “In today’s time-sensitive market, we will be able to take advantage of search, query and analysis efficiencies that will allow us to focus on more strategic and customer-centric activities for our clients that build stronger relationships and greater value”.

TransUnion will be deploying the Alterian Engine, a high-performance database application that brings enhanced speed, capacity and flexibility to database management and analysis. The Engine uses column-based analytical technology, an exclusive structure which can run complex ad hoc queries spanning huge volumes of data in seconds. This encourages train-of-thought analysis and provides more granular, useable results.

In addition, TransUnion will adopt Alterian Data Discovery & Visualization, giving marketing analysts the ability to interact with the data and transform it into useful metrics and graphical information. The Analytical Reporting tool will also be used to ensure that insightful analysis is fully leveraged throughout the business.

“The Alterian platform will increase efficiency and productivity for TransUnion and their customers”, explained Mike Fisher, senior vice president Commercial Operations, Alterian. “With the powerful and flexible analysis capability of the Alterian platform in place, TransUnion will be free to focus its energy and resources on core competencies.”

About Alterian
Alterian (LSE: ALN) helps marketers improve results through its enterprise marketing software platform and global partner community of over 70 leading marketing services providers, agencies and systems integrators. By combining database, digital, and operational marketing applications on a shared data infrastructure, the Alterian Marketing Services Platform makes it practical and cost effective for marketers to gain actionable insight and use this to execute an integrated marketing strategy across online and offline channels.

With over 70 global partners such as Accenture, Acxiom, Allant Group, Carlson Marketing, Experian, Epsilon, InfoUSA, Merkle, Ogilvy One and Euro RSCG Worldwide, who deliver Alterian software alongside their own value-added services, to market leaders like Princess Cruises, General Motors, Zurich, HSBC, Limited Too, Dell, Amnesty International and Vodafone. For more information about Alterian, our Partner Network or the Alterian Marketing Services Platform please visit, http://www.alterian.com.

About TransUnion
As a global leader in credit and information management, TransUnion creates advantages for millions of populating around the world by gathering, analyzing and present information. For businesses, TransUnion helps improve efficiency, manage risk, reduce costs and increase revenue by delivering comprehensive data and advanced analytics and decisioning. For consumers, TransUnion supply the tools, resources and education to help manage their credit health and achieve their financial goals. Through these and other efforts, TransUnion is working to build stronger economies worldwide. Based in Toronto, with world headquarters located in Chicago, Illinois, TransUnion provides local service and support in Burnaby, Saskatoon, Montreal, Quebec City, Rimouski, Charlottetown, Halifax and St. John’s. Visit http://www.transunion.ca to learn more.

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©Copyright 1997-

, Vocus PRW Holdings, LLC. Vocus, PRWeb, and Publicity Wire are trademarks or registered trademarks of Vocus, Inc. or Vocus PRW Holdings, LLC.

Related Trans Union Press Releases

Answer by Rick B
Different regions of the country use one over the others. Different companies as well.You would contact all three.

What do you think? Answer below!

Tenant Screening USA

Boston, MA (PRWEB) January 19, 2011

The new site, TenantScreeningUSA.com will help give Information Enterprise’s customers peace of mind when leasing out their units by taking some of the guesswork out of the background check process. Now, these smaller landlords have an easy and secure way to get the information they need to make a more informed leasing decision.

Tenant Screening USA offers:

    A way to check renter applications against one of the largest credit, criminal and eviction databases     Instant and reliable leasing recommendations based on specific risk criteria and TransUnion’s data and analytics;     Easy, online enrollment with no hidden costs or lengthy approval process     Data privacy for potential tenants because Social Security and credit account numbers are not displayed to the landlord

“Because we weren’t able to fulfill the needs of the smaller landlord through our current service offerings and price indicate, we were tasked with finding a screening solution that could address what this audience needed in today’s environment at a price they could afford,” says Information Enterprises President and CEO. “We knew that most smaller landlords wanted to review a credit report, in addition to doing a criminal background check, without any setup hassle or long term commitment. By using the TransUnion SmartMove® technology, we are able to market this and more to landlords and renters throughout the U.S.”

To get started using the service as either a landlord or a renter immediately, see TenantScreeningUSA.com

About Information Enterprises, Inc
Information Enterprises, Inc. is a national public records provider that specializes in creating customized websites that specifically address a certain target market and then formatting its information reports according to the demands of each of those markets. Individual products include criminal background checks, Social Security number validation, address history traces, federal solicit searches, county criminal checks and professional verification services. Visit us online at: http://www.InformationEnterprises.com.

About TransUnion
As a global leader in credit and information management, TransUnion creates advantages for millions of people around the world by gathering, analyzing and delivering information. For businesses, TransUnion helps improve efficiency, manage risk, reduce costs and increase revenue by delivering comprehensive data and advanced analytics and decisioning. For consumers, TransUnion provides the tools, resources and education to help manage their credit health and achieve their financial goals. Through these and other efforts, TransUnion is working to build stronger economies worldwide. Founded in 1968 and headquartered in Chicago, TransUnion employs more than 3,600 employees in 25 countries on five continents.    http://www.transunion.com

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©Copyright 1997-

, Vocus PRW Holdings, LLC. Vocus, PRWeb, and Publicity Wire are trademarks or registered trademarks of Vocus, Inc. or Vocus PRW Holdings, LLC.

Answer by src50
You have to go through the same process separately with each bureau.

What do you think? Answer below!