TransUnion

SavvyMoney, Inc. is a fintech company based in Pleasanton, California, founded in 2008. It offers an online platform that allows individuals to check their credit scores and compare financial products, including credit cards, personal loans, and car loans, aimed at helping users save money. The company provides integrated credit score and personal finance solutions to over 125 credit unions and banks, featuring free credit score access, reports, and daily monitoring. SavvyMoney's pre-qualification offer engine presents tailored financial offers based on users' credit profiles. The platform is designed to educate and empower users to improve their financial health while enabling financial institutions to focus on assisting consumers rather than merely identifying leads.

Monevo empowers brokers, marketers and Lenders by providing an advanced global technology platform and marketplace, where users can maximise returns whilst providing the best outcome for consumers. The most advanced global lending platform allows lenders to access 1m+ potential new customers a month and allows Affiliates and Brokers to originate customers for this marketplace. This is possible using simple integration such as, cross-device hosted application forms and web service API's. Monevo also offers enhanced data services, giving users real-time market data and financial intelligence, allowing for enhanced decision making for Credit Providers, Third Parties and Lenders.

Spring Labs is the company building out the spring protocol, a network designed to allow network participants, such as financial institutions, to share information about data, such as credit and identity data, without needing to share the underlying data itself. They allow institutions to directly share information among themselves to verify identities and reduce fraud - all while protecting consumer data. Spring Labs uses an attestation-based approach reducing the risk and severity of data breaches for financial institutions and consumers. The Spring Protocol separates data ownership from data value, allowing competitively-sensitive parties to exchange information directly and in a fundamentally new way. Spring Labs was founded in 2017 and is based in Marina Del Rey, California, United States.

FinLocker is a financial services technology innovator, founded by a team of veterans and executives across the financial services and technology industries. It provides a personal financial assistant tool that enables loans and financial transactions. With consumer consent, FinLocker captures key borrower data and applies intelligent analytics such as loan product recommendations based on a consumer’s financial profile, asset and income verification, and more. The company was founded in 2014 and is headquartered in St Louis, Missouri.

Tru Optik Data Corp. is a digital media intelligence company based in Stamford, Connecticut, specializing in audience measurement and data management for the streaming media ecosystem. Founded in 2013, the company offers a comprehensive OTT marketing cloud that enables brand marketers and media companies to measure audience engagement and consumer demand. Tru Optik provides a range of services, including OTT data management, analytics, consumer activation, and measurement solutions. Its patented Household Graph™, which encompasses over 80 million homes, facilitates identity resolution, allowing leading brands, agencies, and media companies to connect with consumers across various platforms, including OTT, streaming audio, and gaming. As of October 1, 2020, Tru Optik operates as a subsidiary of TransUnion, further enhancing its capabilities in the digital marketing landscape.

Signal Digital, Inc. is a digital marketing technology company that specializes in customer identity solutions for enterprises. Founded in 2009 and headquartered in Chicago, Illinois, Signal offers a platform designed to enhance the customer experience by delivering contextual relevance at various engagement points. Its key services include Onboard to Activate, which helps businesses engage the right customers while eliminating duplicate and outdated audiences; Onsite Identity Resolution, which identifies anonymous visitors; and a Measurement solution that provides detailed insights into media impressions and return on investment. The Signal Open Data Platform enables marketers to collect and synchronize data from multiple offline and online sources in real-time, facilitating improved customer interactions across all channels. In June 2014, the company changed its name from BrightTag Inc. and operates as a subsidiary of TransUnion, with additional offices in London, Tokyo, and Sydney.

TruSignal, LLC offers digital marketing services. It provides display, video, and media campaigns on publisher sites, portals, advertisement networks, trading desks, DSPs, advertisement exchanges, and mobile networks. The company is based in St. Cloud, Minnesota. TruSignal, LLC operates as a subsidiary of xTech Holdings, Inc. As of May 22, 2019, TruSignal, Inc. operates as a subsidiary of TransUnion.

Prove provides a phone-centric identity platform designed to enhance security and reduce fraud through the use of phone numbers. With over 1 billion identity tokens under management, Prove assists more than 1,000 companies and over 500 banks, including leading financial institutions, in securing their customer onboarding, digital services, and payment processes. The company offers two primary solutions: Prove Pre-fill™, which streamlines the onboarding process by authenticating consumer identities and auto-filling verified data, and Fonebook™, which provides a comprehensive identity authentication platform to manage customer phone numbers and create a unified customer view across various channels. Additionally, Prove offers multi-factor authentication options, including SMS and voice OTPs, instant link authentication, mobile authentication through cellular networks, voice biometrics, and app-based push authentication. These features enable secure transactions and enhance the overall customer experience across mobile, desktop, and in-store environments. Prove's services are available in 195 countries, underscoring its global reach in identity verification and fraud mitigation.

Tru Optik Data Corp. is a digital media intelligence company based in Stamford, Connecticut, specializing in audience measurement and data management for the streaming media ecosystem. Founded in 2013, the company offers a comprehensive OTT marketing cloud that enables brand marketers and media companies to measure audience engagement and consumer demand. Tru Optik provides a range of services, including OTT data management, analytics, consumer activation, and measurement solutions. Its patented Household Graph™, which encompasses over 80 million homes, facilitates identity resolution, allowing leading brands, agencies, and media companies to connect with consumers across various platforms, including OTT, streaming audio, and gaming. As of October 1, 2020, Tru Optik operates as a subsidiary of TransUnion, further enhancing its capabilities in the digital marketing landscape.

Rubixis offers healthcare providers an integrated revenue cycle analytical platform and accounts receivable outsourcing services to maximize reimbursement, reduce accounts receivable days and lower costs.

Iovation Inc. specializes in developing device-based software designed for fraud prevention and authentication in online businesses. Founded in 2004 and based in Portland, Oregon, the company offers a range of products, including ClearKey, LaunchKey, FraudForce, and SureScore, which address various types of fraud such as payment fraud, account takeover, application fraud, and new account fraud. Iovation employs advanced device identification, shared device reputation, and real-time risk evaluation to help businesses mitigate financial losses from fraud while enhancing operational efficiency. The company serves a diverse clientele across sectors such as retail, financial services, insurance, and social networking. Additionally, Iovation operates a shared platform that allows businesses to leverage collective insights from other users. As of July 2018, Iovation Inc. is a subsidiary of TransUnion, and it has established strategic partnerships with several firms to bolster its offerings.

Healthcare Payment Specialists, LLC is a business process outsourcing organization based in Fort Worth, Texas, that specializes in healthcare reimbursement services for hospitals across the United States. Established in 2002, the company focuses on maximizing third-party reimbursements for its healthcare partners. Its services include the identification and recovery of Medicare reimbursable bad debts, preparation of bad debt logs, and retrospective reviews. Additionally, Healthcare Payment Specialists offers expertise in Medicare disproportionate share hospital reimbursements and payments related to direct and indirect graduate medical education for teaching hospitals. The company also conducts Transfer DRG reviews to assess payment discrepancies and provides volume decrease adjustment services for specific hospital types. By utilizing its proprietary STINGRAY software platform, Healthcare Payment Specialists delivers technology-enabled solutions for healthcare eligibility, government reimbursement, and compliance, either as a software-as-a-service or through outsourced engagements. As of June 2018, it operates as a subsidiary of TransUnion.

Callcredit Information Group is expert in managing consumer data for businesses across every sector, from financial services, retail and utilities to public sector, telecoms, insurance and many more. The Group is focused on developing innovative products and services to help businesses make smarter, more informed decisions throughout the customer lifecycle.

Throtle, Inc. is a data-centric identity resolution and data onboarding company that specializes in connecting brands with their customers across various channels. Founded in 2015 and headquartered in Red Bank, New Jersey, with additional offices in New York and Maryland, Throtle offers services that include deterministic matching, identity resolution, and data onboarding. These services enable companies to integrate offline customer relationship management (CRM) data with online interactions, allowing for a comprehensive understanding of customers throughout their journey. Throtle’s identity resolution capabilities support individual-based marketing, enhancing customer engagement and facilitating accurate attribution and measurement. Additionally, the company operates a private data platform, enabling data owners to manage and share their audience data effectively. Throtle's solutions are designed to reach customers across multiple media formats, including display, email, social media, addressable TV, and mobile devices.

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 provider of big data and predictive analytic solutions tailored for both business-to-consumer and business-to-business sectors. Founded in 2004 and based in St. Cloud, Minnesota, the company offers a range of services designed to enhance decision-making throughout the customer lifecycle. These services include eScore for developing customized statistical scores, eVerify for verifying consumer identity, and eTarget for appending information to customer records. Additionally, eBureau provides eLink for account monitoring, eMonitor for visualizing transactional data, and eAuthenticate for knowledge-based authentication. The company's solutions are utilized in various industries, including higher education, insurance, financial services, automotive, telecom, utilities, and retail, focusing on marketing, fraud prevention, credit risk assessments, and collections. eBureau operates as a subsidiary of TransUnion, having rebranded from xTech LLC in 2007.

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 firm provides institutional investors with an analytics platform that aggregates loan data from various online P2P marketplaces, offering credit risk analytics and benchmarks. These tools enable clients to assess loan performance, generate cash flows, develop investment strategies, price credit instruments, and manage loan portfolios while evaluating associated risks. Additionally, PeerIQ offers a Consumer Credit Suite, which integrates consumer credit datasets with its risk analytics platform, assisting clients in optimizing their loan portfolios and making informed investment and origination decisions. Founded in 2001, PeerIQ aims to enhance the P2P lending market by promoting transparency and efficient risk management through its comprehensive analytics solutions.

SavvyMoney, Inc. is a fintech company based in Pleasanton, California, founded in 2008. It offers an online platform that allows individuals to check their credit scores and compare financial products, including credit cards, personal loans, and car loans, aimed at helping users save money. The company provides integrated credit score and personal finance solutions to over 125 credit unions and banks, featuring free credit score access, reports, and daily monitoring. SavvyMoney's pre-qualification offer engine presents tailored financial offers based on users' credit profiles. The platform is designed to educate and empower users to improve their financial health while enabling financial institutions to focus on assisting consumers rather than merely identifying leads.

RTech, also known as Healthcare Revenue Technologies, Inc., is a technology-driven healthcare services company focused on enhancing financial outcomes for hospitals and healthcare systems. The company specializes in post-service eligibility solutions that aim to maximize reimbursements while minimizing uncompensated care costs. By developing and marketing innovative financial software, RTech provides healthcare providers with tools to identify billable revenue opportunities and implement strategies for generating future value. Their systems are designed to support healthcare organizations of various sizes in improving financial performance and ensuring efficient revenue cycle management.

Auditz is an industry healthcare services organization that focuses on helping healthcare providers solve complex patient access, revenue cycle and reimbursement issues. Auditz leverages proprietary technology to identify and recover incremental reimbursement opportunities which exceed current industry best practices. Auditz specializes in very specific areas where traditional solutions have lacked the sophistication and scope to unlock full value.

Dashlane Inc. specializes in password management and secure digital wallet solutions aimed at simplifying and securing users' online identities. Founded in 2009 and based in New York, with additional offices in Paris and Lisbon, Dashlane offers a comprehensive password manager that allows users to import and securely store passwords, autofill forms, and make payments without manual entry. Its features include strong password generation, automatic login, and a digital wallet that captures purchase receipts. Dashlane also provides business solutions designed to enhance password security and mitigate the risks of insecure password sharing. With a user-friendly application available on multiple platforms and in 11 languages, Dashlane has gained the trust of over 10 million users across 180 countries. The company has raised significant venture funding to further develop its offerings for a safer online experience.

Established in 2000, Recipero has built one of the world's largest proprietary databases of IMEI data identifying consumer mobile devices by serial number, ownership, theft, loss, insurance and warranty information, known clones, counterfeits and fraudulent trading information. Recipero's technology is used to detect and prevent mobile device theft and fraud; comply with legislation around the handling of secondary-market mobile device transactions; and assess whether a device can be activated on a particular mobile network. The Gloucester-based company has grown significantly since its inception and employs 20 people with operations across the UK and US.

L2C is the nation's leading provider of advanced consumer scoring and analytics solutions. L2C leverages alternative payment and asset data to create new predictive credit, collection and marketing scores for over 260 million Americans. L2C’s clients include leading institutions in the financial service, retail, healthcare, automotive, telecommunication, and media and entertainment industries.

Transunion CIBIL Limited is a leading credit information organization based in Mumbai, India, and was established in 2000. It specializes in providing comprehensive information on both consumer and commercial borrowers, utilizing a vast database to support credit grantors and consumers. The organization collects, analyzes, and disseminates credit histories to facilitate informed lending decisions. CIBIL's services include credit reporting, fraud and identity management, analytics, consulting, and portfolio management. Its offerings encompass various products such as CIBIL consumer reports, credit scores, and commercial reports, which help businesses manage risk and enhance customer loyalty. CIBIL plays a crucial role in the financial services sector, contributing to the growth of retail loans by providing valuable insights that drive lending strategies and improve portfolio profitability. Formerly known as Credit Information Bureau (India) Limited, it rebranded in 2016 and operates as a subsidiary of TransUnion Intermediate Holdings, Inc.

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 tailored for the U.S. apartment industry. The company offers two primary services: CreditRetriever, an applicant screening service that assists multifamily property owners in evaluating potential tenants, and RentBridge, which collects rent payment information and reports it to national credit bureaus. Through these services, RentPort aims to enhance the operational efficiency and financial transparency of property management while supporting tenants in building their credit histories.

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.