TransUnion

Buro de Crédito provides credit reports and solutions against fraud and identity theft.

Monevo is a technology company that operates an advanced global lending platform designed to connect brokers, marketers, and lenders with potential customers. By offering a marketplace that allows these users to maximize returns while ensuring optimal outcomes for consumers, Monevo facilitates the origination of customers through simple integrations such as cross-device application forms and web service APIs. The platform attracts over one million potential new customers each month, enabling affiliates and brokers to efficiently generate leads. Additionally, Monevo provides enhanced data services that deliver real-time market information and financial intelligence, supporting informed decision-making for credit providers and other stakeholders in the lending ecosystem.

ID5 is a company focused on enhancing online advertising for consumers, media owners, and advertisers, with a primary aim of helping publishers achieve sustainable revenue growth. It offers a transparent and privacy-compliant identity infrastructure that replaces third-party cookies and mobile advertising IDs. This infrastructure improves user recognition and match rates, providing a stable, consented, and encrypted user ID. By doing so, ID5 enables publishers to better monetize their audiences and allows advertisers to execute effective and measurable campaigns. Additionally, the company's centralized identification synchronization platform addresses inefficiencies in website campaign performance by managing cookie synchronization, ensuring privacy compliance, and optimizing consent management, thus enhancing the overall user experience and operational efficiency for publishers and data providers.

SatSure is a decision analytics company that utilizes satellite technology, machine learning, and big data analytics to address challenges related to food, water, and energy security. The company operates a geospatial big data platform designed to deliver insights specifically for the agriculture sector. By integrating satellite data with financial and socio-economic information, SatSure generates agricultural risk profiles that assist in areas such as irrigation, infrastructure, and climate action. This innovative approach enables financial institutions to obtain real-time, location-specific insights, facilitating informed decision-making in their operations.

Truework is a technology company that provides a comprehensive platform for employment and income verification, primarily serving banks, lenders, and other financial institutions. The platform utilizes an API-enabled approach to seamlessly integrate with human resources and payroll systems, as well as the lending and housing markets. This integration allows for the automatic processing of employment and income requests, enabling users to efficiently verify information while maintaining control over their personal data. Truework's services enhance the verification process for background checks and lending decisions, streamlining operations within the financial services and fintech sectors.

Bud Financial is a pioneering company in the financial technology sector, specializing in open banking applications that connect individuals, banks, and service providers. Founded in 2015, Bud harnesses artificial intelligence to enrich financial data by analyzing transaction details such as merchant, category, and location. This enables banks and fintechs to gain valuable insights from customer transaction data, allowing for personalized banking experiences, improved risk management, and optimized business operations. With a robust platform that aggregates various bank accounts and spending into a unified interface, Bud facilitates seamless interactions between users and financial service providers. By processing tens of billions of transactions, the company helps financial institutions transform into intelligent enterprises, leveraging their customer data to uncover new growth opportunities.

Verisk is a data analytics company that specializes in providing risk assessment and decision analytics to businesses across various sectors, including insurance, healthcare, and finance. It offers detailed actuarial and underwriting data specifically for the property and casualty insurance industry in the United States. By combining this data with advanced analytic methods, Verisk enables its clients to understand and manage their risks more effectively. The company's solutions support critical processes such as loss prediction, risk selection and pricing, fraud detection, and loss quantification. Verisk's expertise in data-driven analytics helps financial institutions, payment providers, and retailers make informed decisions, ultimately contributing to the resilience and sustainability of businesses and communities.

SavvyMoney is a company based in Pleasanton, California, founded in 2008. It provides an online service that allows individuals to check their credit scores, compare rates, and explore new financial products such as credit cards, personal loans, and car loans. SavvyMoney serves over 1,000 banks, credit unions, and fintech companies across the United States, offering real-time data and digital personalization tools that integrate with various digital banking platforms. The company's technology is supported by dedicated service, aiming to help financial institutions enhance their customer relationships and improve members' financial health through education and empowerment.

Sontiq, Inc. is a Maryland-based company that specializes in identity theft protection and mobile cybersecurity services. Founded in 2009, Sontiq develops a range of products aimed at safeguarding both businesses and consumers. Its offerings include the Mobile Defense Suite, which provides mobile attack control, visibility, and recovery. Sontiq also delivers identity monitoring, fraud protection, and comprehensive restoration assistance for victims of identity theft and cybercrimes. Through its innovative solutions, the company seeks to protect individuals from the financial and emotional repercussions of identity theft, empowering customers to manage their digital identities securely.

Monevo is a technology company that operates an advanced global lending platform designed to connect brokers, marketers, and lenders with potential customers. By offering a marketplace that allows these users to maximize returns while ensuring optimal outcomes for consumers, Monevo facilitates the origination of customers through simple integrations such as cross-device application forms and web service APIs. The platform attracts over one million potential new customers each month, enabling affiliates and brokers to efficiently generate leads. Additionally, Monevo provides enhanced data services that deliver real-time market information and financial intelligence, supporting informed decision-making for credit providers and other stakeholders in the lending ecosystem.

Neustar is a technology company that specializes in providing cloud-based services designed to assist marketing and IT professionals in enhancing and safeguarding their businesses. Founded in 1996 and headquartered in Sterling, Virginia, Neustar operates complex data registries and leverages its expertise to deliver actionable insights that facilitate high-value business decisions in real time. The company's services encompass a unique identity system and cloud-based workflow applications, which empower organizations to understand and connect people, places, and things effectively. This comprehensive approach enables businesses to make precise decisions across various departments, including marketing, risk, security, and operations.

Spring Labs is a developer of a decentralized network that facilitates the sharing and exchange of financial information. By utilizing blockchain technology, the company enhances security, scalability, transparency, and efficiency within the financial sector. Its network is tailored to meet the needs of financial institutions and lenders, offering them improved control over data and greater flexibility in managing credit systems. Spring Labs supports various industries, including healthcare and media, by providing robust data solutions that help enhance the protection and security of credit information.

FinLocker, LLC is a financial technology company based in St. Louis, Missouri, founded in 2014. It specializes in developing a consumer-enabled financial data platform that enhances the loan process for mortgages and various financial products. FinLocker provides a personal financial assistant tool that captures essential borrower data with consumer consent, utilizing intelligent analytics to offer tailored loan product recommendations based on individual financial profiles. Its solutions aim to streamline lending processes by improving data collection, verification, and analytics, thereby reducing costs, time, and risks for lenders. Additionally, FinLocker enhances the borrower experience by enabling consumers to manage their finances more effectively, apply for loans with reduced documentation hassles, and control data sharing.

Tru Optik is a data technology company that specializes in identity resolution for the streaming media ecosystem. It has developed a patented Household Graph that encompasses over 80 million homes, allowing various stakeholders such as brands, agencies, and media companies to engage consumers effectively across over-the-top (OTT) platforms, streaming audio, and gaming. The company's data marketplace platform facilitates the buying and selling of third-party data, enabling advertisers and publishers to create custom audiences by leveraging both first-party and branded third-party data. This capability ensures targeted advertising while maintaining high standards of accuracy and privacy compliance. Through its innovative solutions, Tru Optik empowers businesses to identify, engage, and measure their audiences with significant scale and precision.

Signal Digital, Inc. is a digital marketing technology company that specializes in customer identity solutions for enterprises. Its platform enhances customer experiences by delivering contextual relevance across various engagement points. Key offerings include Onboard to Activate, which effectively targets the right customers while filtering out duplicates, and Onsite Identity Resolution, which identifies anonymous website visitors. Additionally, its Measurement solution provides real-time insights into media impressions and return on investment, enabling marketers to better understand their audiences. Founded in 2009 and headquartered in Chicago, Illinois, Signal also maintains offices in London, Tokyo, and Sydney. As of August 2020, Signal operates as a subsidiary of TransUnion.

TruSignal, LLC, based in St. Cloud, Minnesota, specializes in digital marketing services, focusing on people-based marketing technology for various clients, including Fortune 500 brands and agencies. As a subsidiary of TransUnion, TruSignal leverages predictive scoring and artificial intelligence to transform big data into actionable insights for one-to-one addressable marketing. The company's TruAudience Platform integrates a comprehensive identity graph, extensive third-party data, and advanced machine learning algorithms, facilitating effective audience targeting and bid price optimization. By offering capabilities such as audience building, lookalike audience creation, and cross-channel ID matching, TruSignal enables clients to achieve measurable growth in their marketing efforts while ensuring that they effectively reach the right audience at the optimal cost.

Prove is a technology company that specializes in smartphone-based identity verification solutions, focusing on mobile authentication to protect against identity theft and social engineering attacks. Its offerings include phone-centric and API marketplace solutions that streamline the customer acquisition process, enhance engagement, and improve both security and consumer privacy. By leveraging instant mobile authentication, Prove helps its clients reduce friction in user interactions while simultaneously minimizing the risk of fraud. The company serves a diverse range of industries, including financial services, healthcare, insurance, technology, and retail. Founded in 2008 and headquartered in New York, Prove also has additional locations in Denver and London, demonstrating its international presence in the identity verification market.

Tru Optik is a data technology company that specializes in identity resolution for the streaming media ecosystem. It has developed a patented Household Graph that encompasses over 80 million homes, allowing various stakeholders such as brands, agencies, and media companies to engage consumers effectively across over-the-top (OTT) platforms, streaming audio, and gaming. The company's data marketplace platform facilitates the buying and selling of third-party data, enabling advertisers and publishers to create custom audiences by leveraging both first-party and branded third-party data. This capability ensures targeted advertising while maintaining high standards of accuracy and privacy compliance. Through its innovative solutions, Tru Optik empowers businesses to identify, engage, and measure their audiences with significant scale and precision.

Rubixis, Inc., founded in 2011 and headquartered in Fremont, California, specializes in providing healthcare revenue cycle software and services. The company offers an integrated analytical platform designed to help healthcare providers maximize reimbursements from insurance payers by identifying missing charges on bills and assisting with billing for these charges. Additionally, Rubixis provides accounts receivable outsourcing services aimed at reducing accounts receivable days and lowering operational costs. Their solutions include revenue measurement, claims assessment, identity verification, insurance eligibility checks, patient payment estimation, insurance coverage discovery, and post-discharge revenue recovery, all of which help healthcare providers optimize their reimbursement value for each patient while minimizing expenses.

Iovation Inc. is a company that specializes in device-based software solutions for fraud prevention and authentication, catering to online businesses and their users. Founded in 2004 and headquartered in Portland, Oregon, Iovation offers products such as ClearKey, LaunchKey, FraudForce, and SureScore, which address various types of fraud including payment fraud, account takeover, and application fraud. The company's services encompass advanced device identification, shared device reputation, and real-time risk evaluation, allowing businesses to reduce financial losses from fraud while enhancing operational efficiency. Iovation's solutions are delivered through a distributed SaaS infrastructure, enabling support for substantial transaction volumes across various sectors, including retail, financial services, insurance, and gaming. The company has established strategic partnerships with several organizations to bolster its offerings. As of July 2018, Iovation operates as a subsidiary of TransUnion.

Healthcare Payment Specialists, LLC is a business process outsourcing organization based in Fort Worth, Texas, founded in 2002. The company specializes in healthcare reimbursement calculation services, focusing on maximizing allowable third-party reimbursements for hospitals and healthcare systems across the United States. It offers a comprehensive range of services, including Medicare reimbursable bad debt management, Medicare disproportionate share hospital reimbursement, and payment solutions for graduate medical education. Utilizing its proprietary STINGRAY software platform, Healthcare Payment Specialists provides technology-enabled solutions to address government reimbursement and compliance challenges. The company also conducts reviews for Transfer Diagnostic Related Groups and assists with volume decrease adjustments for specific hospital types. Through its expertise and innovative software solutions, Healthcare Payment Specialists aims to optimize revenue capture and streamline billing processes for its healthcare partners.

Callcredit Information Group specializes in managing consumer data for businesses in various sectors such as financial services, retail, utilities, public sector, telecoms, and insurance. The company focuses on developing innovative products and services to assist businesses in making well-informed decisions throughout the customer lifecycle. With a strong expertise in data management, Callcredit Information Group aims to help businesses across different industries optimize their operations and enhance customer relationships.

Throtle, Inc., founded in 2015 and based in Red Bank, New Jersey, is a data-centric identity resolution company specializing in omnichannel marketing solutions. It offers deterministic matching, identity resolution, and closed-loop enablement services that help brands recognize and engage with individual customers across various channels and devices. Throtle's services include connecting offline CRM data with online cookies and mobile devices, enabling enhanced customer engagement, and providing attribution and measurement for marketing efforts. The company operates a private data platform allowing data owners to offer access to their datasets. Throtle is particularly trusted in the healthcare sector, where it helps clients identify, activate, and measure customer campaigns while ensuring compliance with industry regulations.

FactorTrust, The Alternative Credit Bureau, helps lenders manage the credit lifecycle of underbanked consumers using unique alternative credit information not available from the Big Three bureaus, enabling them to offer non-prime consumers the credit they deserve. Leveraging the company’s credit information, lenders can more accurately predict future borrowing behavior, credit performance and risk scoring for this growing segment. FactorTrust’s team of predictive analytics specialists, statisticians, and financial industry experts has delivered unique data and valuable insight to lenders throughout the U.S. and the U.K. for nearly ten years.

eBureau, LLC is a leading provider of big data, predictive analytics, and information solutions established in 2004 and headquartered in St. Cloud, Minnesota. The company specializes in delivering insights that help businesses make informed, data-driven decisions throughout the customer lifecycle. eBureau's offerings include eScore, which develops customized statistical scores; eVerify, which helps verify consumer identity information; and eTarget, which appends information to customer records. Additional services include eLink for account monitoring, eMonitor for data visualization, and eAuthenticate for knowledge-based authentication. These solutions cater to various industries, including higher education, insurance, financial services, automotive, telecom, and retail, assisting organizations in marketing, fraud prevention, credit risk assessment, and collections. eBureau's patented technologies enable businesses to acquire customers, manage risks, and enhance profitability while improving operational efficiencies. In 2017, eBureau became a subsidiary of TransUnion.

Datalink Services offers nationwide driving and vehicle records, as well as driver pre-screening services. Datalink Services, Inc.’s DMV reporting services also benefit a variety of non-insurance related markets including financial institutions, employment screening, and litigation. Datalink Services, Inc.’s access to DMV records and other vehicle information in all 50 states delivers the most cost-effective and comprehensive information available.

PeerIQ, Inc. is a financial information services company based in New York that specializes in the peer-to-peer lending sector. The company provides institutional investors with a comprehensive analytics platform that aggregates detailed loan data from various online marketplaces. This platform offers credit risk analytics and benchmarks, allowing clients to assess loan performance, generate cash flows, develop investment strategies, price credit instruments, and manage loan portfolios effectively. Additionally, PeerIQ offers a Consumer Credit Suite, which integrates consumer credit datasets with its risk analytics tools, helping clients optimize their loan portfolios and make informed investment and origination decisions. Established in 2001, PeerIQ aims to enhance transparency and efficiency in the lending markets, ultimately supporting better investment decision-making for its clients.

SavvyMoney is a company based in Pleasanton, California, founded in 2008. It provides an online service that allows individuals to check their credit scores, compare rates, and explore new financial products such as credit cards, personal loans, and car loans. SavvyMoney serves over 1,000 banks, credit unions, and fintech companies across the United States, offering real-time data and digital personalization tools that integrate with various digital banking platforms. The company's technology is supported by dedicated service, aiming to help financial institutions enhance their customer relationships and improve members' financial health through education and empowerment.

RTech (Healthcare Revenue Technologies, Inc), a technology-driven healthcare services company that offers post-service eligibility solutions designed to maximize reimbursements and reduce uncompensated care costs for hospitals and healthcare systems of all sizes.

Auditz LLC is a healthcare technology services organization headquartered in Tampa, Florida, that was established in 2008. The company focuses on addressing complex challenges in patient access, revenue cycle management, and reimbursement for healthcare providers. Leveraging proprietary technology, Auditz identifies and recovers incremental reimbursement opportunities that surpass current industry best practices. By specializing in specific areas where traditional solutions have been insufficient, Auditz aims to unlock the full value of healthcare revenue potential. Since June 2016, Auditz has operated as a subsidiary of TransUnion Healthcare, Inc.

Dashlane Inc., established in 2009, specializes in password management and digital security solutions. Headquartered in New York with offices in Paris and Lisbon, the company offers a software application that securely stores, manages, and autofills passwords, enabling users to log in and checkout swiftly across devices. Dashlane's solutions include a secure password vault, autofill for web forms, a digital wallet for receipt capture, and security features like strong password generation and inbox security scans. Its business-focused offerings, such as Dashlane Business 2.0, aim to enhance password security and reduce unsecure password sharing within organizations. With over 22,000 businesses and 19 million users globally, Dashlane simplifies and secures the digital experience for both individuals and enterprises.

Recipero Limited is a software solutions provider specializing in device-led data services for various sectors, including carriers, insurers, recyclers, retailers, consumers, and law enforcement. Established in 1999 and headquartered in Kings Stanley, United Kingdom, the company has developed one of the world's largest proprietary databases of IMEI data, which identifies consumer mobile devices by serial number and provides information regarding ownership, theft, loss, and insurance. Recipero's suite of solutions includes CheckMEND, a comprehensive database for loss and theft reports; ClaimsCheck for validating mobile device insurance claims; and StockWatch for detecting asset theft. Additionally, the company offers tools like FraudWatch, ModelCheck, and the National Mobile Property Register to aid in fraud prevention and crime investigation. Consumer-focused services include Immobilize for asset ownership registration and Report My Loss for reporting stolen items. With a workforce of around 20 employees, Recipero operates in both the UK and US markets.

Trustev Limited is a technology company based in Cork, Ireland, specializing in real-time online customer identity verification to combat e-commerce fraud. Established in 2012, Trustev offers a sophisticated platform that validates the identities of individuals making transactions by utilizing a wide range of dynamic data sources, such as behavioral patterns, transactional history, and social media activity. This innovative approach allows for real-time decision-making, providing a score that indicates the likelihood of fraud. The platform integrates seamlessly with merchants’ systems, enabling them to verify identities without disrupting the customer experience. By focusing on individual verification rather than solely on payment methods, Trustev significantly reduces false positives and enhances revenue opportunities for online businesses. The company operates as a subsidiary of TransUnion Netherlands I B.V. as of December 2015.

L2C is a prominent provider of advanced consumer scoring and analytics solutions in the United States. The company utilizes alternative payment and asset data to develop predictive scores for credit, collection, and marketing purposes, covering over 260 million Americans. L2C serves a diverse range of clients across various industries, including financial services, retail, healthcare, automotive, telecommunications, and media and entertainment.

TransUnion CIBIL Limited is a prominent credit information organization based in Mumbai, India, and was established in 2000. Formerly known as Credit Information Bureau (India) Limited, the company rebranded in 2016 to reflect its affiliation with TransUnion. It specializes in collecting, analyzing, and disseminating credit histories of both consumer and commercial borrowers, thereby assisting financial institutions in making informed credit decisions. TransUnion CIBIL offers a wide range of services, including credit reporting, analytics, fraud and identity management, and customer acquisition solutions. Its products, such as CIBIL consumer reports and CIBIL scores, provide individuals with insights into their credit history, helping them understand their financial reputation. The organization serves various sectors, including banking, insurance, microfinance, and telecommunications, and aims to be a trusted partner in managing risk and enhancing lending strategies within the financial services industry.

Crivo offers credit and risk assessment software that allows its users to take a decision in under 3 seconds while accessing more than 300 different information sources.

Accupost Corporation, now a business unit of TransUnion, is a technology and outsource services provider of post-closing solutions for the mortgage services industry. Accupost’s post-closing system automates back-office processes to improve efficiencies, increase productivity and minimize the risks associated with non-compliance of loan documentation. The company’s platform includes mortgage assignment and release processing, document retrieval, portfolio due diligence, document imaging and government insuring services. In August 2004, AccuPost was acquired by TransUnion Settlement Services, a subsidiary of leading global information solutions company TransUnion.

RentPort is a provider of data and decision-making information specifically tailored for the U.S. apartment industry. The company offers innovative products such as CreditRetriever, which serves as an applicant screening service for the multifamily sector, helping landlords assess potential tenants’ creditworthiness. Additionally, RentPort features RentBridge, a service designed to collect rent payment information and report it to national credit bureaus, enhancing the financial transparency of tenants’ rental histories. Through these offerings, RentPort aims to simplify the decision-making process for property managers and improve the overall efficiency of rental operations.

TrueLink Inc., an online provider of credit reporting services.

Competix.com delivers superior automated lending solutions to lenders nationwide. The company's Internet lending solution called Credit Manager is a turn-key credit-decisioning service based on proven, state-of-the-art lending technology developed by a $1 billion international information technology firm and one of the largest banks in North America. This same technology that's used by banks, financial organizations and lending institutions throughout the country is now available as an affordable service offered to community banks as a cost-effective alternative to traditional large-scale lending software and expensive hardware systems. Credit Manager harnesses the power of the Internet to fully automate the entire lending process from application, to credit decision, to booking in an online, real-time environment. The service supports a wide range of personal and small business loan products, including installment loans, revolving credit lines, credit cards, overdraft protection, mortgages, home equity loans and indirect lending.