SARMA Credit Reports

• Credit Reports
• Skip Tracing Products
• Risk Models
• Fraud Prevention
• Portfolio Enhancement Solutions

Credit Reports

There are four areas of information contained in a consumer credit report.

Identifying Information includes:

• Name
• Current and previous addresses
• Social Security number
• Telephone number
• Date of birth
• Current and previous employers

• Retail stores
• Banks
• Finance companies
• Mortgage companies

• Tax liens
• Court judgments (including child support judgments)
• Bankruptcies

• List of credit grantors and other authorized parties who have requested a copy of the consumer's credit report

In addition, any consumer statements and other Fair Credit Reporting Act information will be displayed.

Fraud Prevention Products

• FRAUD DETECT and FRAUD ID-TECT - Fraud Detect is an information validation system designed to prevent application fraud. Fraud ID-Tect is an enhanced version that lets you customize and deepen your analysis.
• HAWK®* - Brings fraud detection to a new level of performance. HAWK identifies high-risk or potentially fraudulent addresses, Social Security numbers, and/or telephone numbers.
• Year of Issuance (YOI)* - Used in conjunction with HAWK. YOI allows you to detect Social Security Number(SSN) misuse and identify conflict in the Year of Issuance.
• HAWKeye® - Offers fraud protection but does not access credit information.
• ID Search - Instant, prioritized verification of identifying information in order to create more efficient application processes, better customer service, reduce fraud, and minimize return mail.
• ID SearchplusSM* - Helps verify application information by matching a consumer's name, address and/or SSN against TransUnion's credit reporting database. IDSearchplus delivers current/previous addresses, SSN, phone number, DOB, aliases, consumer statements, and number of hard inquires on file.
• Reverse Phone Append - Helps verify an applicant's information and identity by providing access to a multisource database of residential and business telephone listings.
• Fraud Detect Model SM - Maximize your fraud identification rates while minimizing the time you spend verifying applications with a low likelihood of fraud. Fraud Detect Model enhances the effectiveness of Fraud Detect or Fraud ID-Tect to further streamline your application decisioning process.
• TRANSALERT® - An add-on to a permissible purpose product. Offers a complete application-fraud prevention system that alerts you about a significant number of recent inquiries on a credit file and differences between information on an inquiry and the contents of our credit file databases.
• TOTAL ID SM- A quick, easy and accurate identity verification and application analysis service. It provides you with both fraud detection and a reduction in manual review time. With its unique dual approach, you reduce your fraud loss, reduce costs, and improve the efficiency of your operations.

Portfolio Enhancement Solutions

• Performance Base* - A powerful direct marketing resource for extending firm offers of credit or insurance. Performance Base helps you effectively target all types of audiences with over 350 specific credit and demographic variables available for each individual.
• RETROspective Analysis - Allows you to determine the best cutoff strategy for your business. The analysis uses TransUnion's archived databases for your customer base to test how you can enhance your current decision-making system.
• SolutionBase - A comprehensive resource for extending invitations to apply general direct marketing offers. SolutionBase contains extensive demographic and behavioral data that enables you to identify and segment prospects.
• ACQUIRE®* - Prescreening automated decision engine that evaluates credit criteria in real time and helps you determine an individual's eligibility for financial programs.

Risk Model Products

• EMPIRICA SM* - A risk model that predicts the likelihood of a consumer becoming more than 90 days delinquent within the next 24 months.
• HORIZON®* - A loss-ratio based bankruptcy model that predicts the likelihood of a consumer becoming bankrupt within the next 18 months.
• REWARD®* - A collection model that ranks orders accounts according to the dollar amount estimated to be repaid and the likelihood of repayment within six months.
• TransRecovery* - Predicts the likelihood of collecting $50 or more within 12 months on accounts that have gone into recovery. TransRecovery helps you evaluate your collections portfolio and determine its potential for recovery, identifying which accounts are candidates for early outplacement to a third party, and target accounts for legal action.

Skip Tracing Products

• TRACE SM - Provides instant access to current and previous addresses by the simple input of a Social Security number. It is a valuable service that can be used for your verification or location needs.
• TRACEplus* - Is a search system that matches a Social Security Number against TransUnion's credit reporting database and provides the most current information available. TRACEplus is a valuable service that can be used for your verification or collection needs.