United States

Profile: TransUnion (TRU)

TRU on New York Consolidated

26 Jun 2019
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$0.21 (+0.30%)
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TransUnion, incorporated on February 15, 2012, is a risk and information solutions provider to businesses and consumers. The Company operates through three segments: U.S. Information Services (USIS), International and Consumer Interactive. Its solutions are used by businesses for their process workflows to acquire new customers, assess consumer ability to pay for services, identify cross-selling opportunities, measure and manage debt portfolio risk, collect debt, verify consumer identities and investigate potential fraud. Its solutions are used by consumers to view their credit profiles and access analytical tools that help them understand and manage their personal information, and take precautions against identity theft. The Company possesses both nationwide consumer credit data and public records data, which allows it to predict behaviors, assess risk and address a set of business issues for the customers. The Company offers its services across various industries, including financial services, specialized risk, insurance and healthcare. As of December 31, 2018, the Company operated in over 30 countries across North America, Latin America, the United Kingdom, Africa, Asia Pacific and India. The Company's solutions are based on a foundation of financial, credit, alternative credit, identity, bankruptcy, lien, judgment, insurance claims, automotive and other relevant information from 90,000 data sources, including financial institutions, private databases and public records repositories.


The USIS segment provides consumer reports, risk scores, analytical services and decisioning capabilities to businesses. The Company's Data Assets comprise its credit database, which contains the name and address of the United States credit-active population, a listing of their existing credit relationships and their timeliness in repaying debt obligations. It sources information from courts, government agencies and other public records, including suits, liens, judgments, bankruptcies, professional licenses, real property, vehicle ownership, other assets, driver violations, criminal records and contact information. The Company's predictive analytics capabilities allow it to analyze its datasets and provide insights to the customers. The Company has tools, such as predictive modeling and scoring, customer segmentation, benchmarking, forecasting, fraud modeling and campaign optimization.

The Company provides services to the customers through three delivery platforms: Online Data Services, Marketing Services and Decision Services. The Company's online data services encompass services delivered in real-time, using both credit and public record datasets. These services include credit reports and predictive scores delivered to qualified businesses to help them assess the risk of prospective consumers seeking to access credit or insurance. It also provide online reports that link public record datasets for qualified businesses that seek to locate consumers or specific assets, or investigate relationships among consumers, businesses and locations. It also provides online services to help businesses manage fraud and authenticate a consumer's identification (ID) when they initiate a new business relationship. Its fraud database contains data elements, such as addresses and Social Security numbers from multiple sources that alert businesses to identities associated with known or suspected fraudulent activity. It also provides data to businesses to help them satisfy know-your-customer compliance requirements and to confirm an individual's identity.

The Company's marketing services help businesses acquire customers, cross-sell to existing customers, monitor, and manage risk in their existing portfolios. Its databases are used by the customers to contact individuals to extend offers of credit or insurance. It provides portfolio review services to help the customers develop cross-selling offers to their existing customers, and monitor and manage risk in their existing consumer portfolios. It also provides trigger services, which are daily notifications of changes to a consumer profile.

The Company's decision services offered as software-as-a-service include various platforms that help businesses interpret data, visualize insights, predict model results and apply their customer-specific criteria to facilitate automated decisions at the time of customer interaction. Its customers use decision services to evaluate business risks and opportunities, including those associated with new consumer credit and checking accounts, insurance applications, account collection, patient registrations and apartment rental requests. The Company allows its consumers to use CreditVision Link to evaluate risk in consumer populations. Prama, a portfolio of tools of the Company, provides customer access to analytic datasets for gaining insights into market trends and portfolio performance. Its AdFuel capabilities power digital media campaigns with targeted audiences for the financial services and insurance industries.


The International segment provides services similar to its USIS segment to businesses in select regions outside the United States. Depending on the maturity of the credit economy in each country, services may include credit reports, analytics and decisioning services and other risk management services. The Company has insurance, business and automotive databases in select geographies. These services are offered to customers in a range of industries, including financial services, retail credit, insurance, automotive, collections, government and communications, and are delivered through both direct and indirect channels. It also provides consumer solutions to help consumers manage their personal finances. The International segment has two market groups: Developed and Emerging Markets. The Company offers online data services, marketing services and decision services in Canada and Hong Kong. The Company operates across multiple verticals in Canada with operations in insurance, collections and automotive, and a presence in financial services. The Company is a supplier of consumer credit data and solutions in Hong Kong. The Company provides online data services, marketing services and decision services in markets, such as South Africa, Brazil, India and other countries in Africa, Latin America and Asia Pacific regions. The Company serves a range of industries through traditional consumer credit reporting services, insurance solutions, auto information solutions, commercial credit information services and consumer solutions in South Africa.

As of December 31, 2018, the Company's vehicle information database in South Africa had over 20 million vehicle records and included vehicle identifier codes. The Company owns or has access to various non-credit data sources in India. These include the national voters registry and the national ID database, as well as other sources, such as the confirmed and suspected fraud registry, property registry and tax ID database. It offers a suite of risk and information solutions across the credit lifecycle for banks, telecommunication companies and insurance companies. Its suite of offerings includes analytics and decisioning solutions that enable its customers to make decisions. The Company's operations in Asia Pacific include markets, such as Thailand, Singapore, Malaysia, China and the Philippines.

Consumer Interactive

The Consumer Interactive segment offers solutions that help consumers manage their personal finances and take precautions against identity theft. The Company's services in Consumer Interactive segment include credit reports and scores, credit monitoring, fraud protection and resolution, and financial management. Its products are offered through online and mobile interfaces, and are supported by educational content and customer support. It serves consumers through both direct and indirect channels. The Company provides services directly to consumers, primarily on a subscription basis through Websites and mobile applications. Its product features include alerts to changes in credit information, debt analysis, debt and retirement calculators, identity protection services, insurance scores and the ability to restrict third-party access to a consumer's TransUnion credit report.

The Company provides its services to partners either on a standalone basis or with their own or other branded services as a bundle to consumers, governmental agencies and businesses in support of fraud or credit protection, credit monitoring, identity authentication, insurance or credit underwriting, and collections. It offers a suite of solutions that include educational content and customer support features available through direct channel.

The Company competes with Equifax, Experian, LexisNexis, FICO, Solera, Verisk, IMS Health, Inovalon, Trizetto and LifeLock.

Company Address


555 W Adams St
CHICAGO   IL   60661-3719
P: +1312.9852000
F: +1302.6365454

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