TransUnion is the new trading name of Callcredit in the UK. The usual high levels of service and products will continue as normal whilst we update the brand over the coming months.

Credit Risk & Affordability case studies

Take a look at some of our case studies below.

Helping Yorkshire Water support vulnerable  customers

Helping Yorkshire Water support vulnerable customers

Yorkshire Water (YW) serves over five million customers across the region and as part of its commitment to be a responsible business the company looks into ways in which it can identify and support vulnerable customers. Callcredit has supported YW in this venture through providing (with customer consent) a complete picture of the customers current and past income. This unique insight helps YW agents to accurately assess a customer’s income levels and to identify customers who may be struggling with multiple bills and who are at risk of going into debt on their water bill.

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Carfinance247 - MOGObankconnect

Carfinance247 - MOGObankconnect

Carfinance wanted to drive efficiencies and to improve the customer experience. Carfinance247 began using MOGObankconnect for three months as part of Callcredit’s Early Access Programme.

MOGObankconnect provides consumers with the facility to simply, securely and quickly package up their online banking transactional data which is then delivered directly back to lenders and other service providers in near real time through a secure app.

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Credit Risk Management

Credit Risk Management

Using a range of Callcredit's innovative risk management products, Santander Cards UK achieved considerable incremental credit loss savings, improved bottom line returns and indebtedness management capabilities and received a greater insight into changing customer circumstances.

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Know Your Candidate - Credit Screening

Know Your Candidate - Credit Screening

Know Your Candidate is a fast growing provider of employment screening services to UK employers. By operating a single streamlined and standardised process for all customers the business can focus on processing its customers’ employee vetting checks quickly and delivering great customer service.

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Zenith - SHAREReport

Zenith - SHAREReport

Zenith is a specialist provider of bespoke fleet solutions, which include employee car salary sacrifice schemes in the United Kingdom. Zenith required the support of a Credit Reference Agency to help assess the risk associated with salary sacrifice applicants and improve its underwriting process.

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Peachy Loans - Seamless verification

Peachy Loans - Seamless verification

Our unique affordability service allows for a seamless verification on an applicant's income, alongside the credit and verification checks. Affordability Report allows Peachy to validate income and provide assurance the applicant can repay the loan and is not financially overstretched.

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Credit Risk

Credit Risk

Mr Lender needed access to more data to help facilitate more accurate decisions when assessing the credit-worthiness of individuals applying for new loans

CallReport provides Mr Lender with all the information they need to assess an applicant's likelihood of fulfilling their credit commitments in a simple and logical view.

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Affordability checks and fraud prevention

Affordability checks and fraud prevention

Callcredit's CallValidate and CallReport provided PiggyBank with the range of solutions it needed for payment verification and affordability checks.

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The Car Finance Company - optimised verification and fraud prevention

The Car Finance Company - optimised verification and fraud prevention

In order for TCFC to make more informed accurate credit decisions, instantly verify more applicants and stop incidents of fraud, Callcredit recommended its CallReport product.

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Uncle Buck

Uncle Buck

Uncle Buck was looking for a new provider to help with their affordability evaluation, credit assessment and provide an anti-fraud solution.

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Quidcycle - customer verification and affordability checks

Quidcycle - customer verification and affordability checks

As a new entrant to the market, Quidcycle required a solution that met all their customer verification and affordability check requirements. Callcredit has an unrivalled level of experience and expertise in credit services and could offer a range of products to meet Quidcycle’s requirements from one organisation.

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