Charm Security vs TransUnion

About TransUnion

TransUnion offers secure, on-demand access to TransUnion data and analytics. TruValidate orchestrates identity, device and behavioral insights to help organizations interact with legitimate consumers while mitigating fraud risk. TruValidate verifies consumer identities against global datasets to expose fraud risks. TruValidate includes custom, purpose-built models that target unique or industry-specific fraud. TruValidate applies to call center and digital channels. TruValidate assesses the risk of fraud in anonymous digital interactions. TruValidate decisions rest on millions of confirmed fraudulent actions and insight into fraudster activities, locations and devices.^[1][6][13]

TransUnion fraud solutions cover detecting fake or stolen identities at onboarding to minimize losses and false positives. TransUnion fraud solutions cover detecting credential theft, session hijacking and device anomalies to mitigate unauthorized account access. TransUnion fraud solutions assess callers before the call is answered to mitigate spoofing, social engineering and SIM-swap risks. TransUnion fraud solutions cover identifying promotion abuse, friendly fraud and other intentional misuse before transactions occur. TransUnion fraud solutions include data management, matching and enrichment using public and private data sources. TransUnion investigative solutions supply insights for due diligence. TruValidate Fraud Analytics uses risk insights and actionable analytics to detect fraud before it impacts an organization or its customers. TruValidate Omnichannel Authentication is used to reduce fraud risk and streamline login of trusted customers.^[7]

TruValidate Digital Insights solutions address digital risk and fraud prevention. Digital Insights combine diverse risk signals, including device reputation intelligence, device-to-account linkages and authoritative IP decisioning data. Digital Insights identify devices with risky attributes, associations or histories before they engage with the organization. Digital Insights detect and mitigate sophisticated evasion techniques, device anomalies and new, risky behaviors. TruValidate Device Risk determines the reputation of a device from device history and confirmed fraud reports from a global network of fraud analysts, in real time. Device Risk covers customer touchpoints where fraud risk is a concern, including account creation, application, login, change of details, payment and check out. TruValidate IP Intelligence uses IP geolocation, ownership and routing data to inform decisions about whom to interact with or block. Digital Identity Risk assesses the strength of the linkage between the user and device to determine the likelihood of the device belonging to the person using it. Email and Phone Verification evaluates consumer-submitted credentials. Email and Phone Verification assesses email addresses and phone numbers to detect fraud at critical transaction points.^[7][8]

TruVision draws on traditional and trended credit, alternative, public records and proprietary data. TruVision covers understanding and managing risks associated with extending credit and reducing the probability of default. TruVision covers mitigating risks associated with underwriting insurance. TruVision covers assessing upfront and ongoing employee risks. TruVision covers identifying tenants for rental vacancies and reducing the risk of costly evictions. TruVision covers prioritizing collection efforts based on insight into the ability of customers to pay. TransUnion credit solutions offer a view of consumer behavior and credit history with traditional, trended credit, blended and alternative data. TransUnion credit solutions use alternative data to enable decisions across a wider spectrum of consumers. TransUnion credit solutions expand risk profiles with identity, trended credit and intent signals.^[6]

TruAudience powers data-driven marketing and measurement with identity resolution, data enrichment, audience targeting and advanced analytics solutions. TruAudience connects data, teams and marketing platforms with a single identity graph. TruAudience audience solutions build, model and activate audiences in a single modular platform. TruAudience lets users search, buy and activate more than 130K off-the-shelf audiences to reach consumers across media types. TruAudience lets users create audiences using first-party data, third-party audiences or TransUnion marketing attributes. TruAudience offers consumer insights based on 172 granular segments and demographic, behavioral, property, financial and geographic data. TruAudience supports segmentation and analysis of individuals and households with over 15,000 attributes. TruAudience insights solutions analyze geo-demographic data together with first-party data to inform expansion and product planning, media planning and daypart strategies.^[10][11][12]

TransUnion offers consumers a free fraud alert that notifies creditors to take extra steps to verify identity before extending credit. TransUnion lets consumers add a free freeze to control who can access their credit information. TransUnion lets consumers confirm information on a credit report for free, start a dispute or check a current dispute status.^[3][13][14]