Our Experts TransUnion modelers are credit data experts. We work with credit data in so many ways and know TransUnion's data better than anyone else does. The group uses the most appropriate tools for the job, whether that means regression analysis, clustering systems, or Chi-square based independence tests. However, the Modeling Group does not work in a vacuum. Success depends on customer interaction to select the best methods, depending on the goals of the project and the data available.
All models have complete documentation and validation follow-ups to ensure quality work.
The Modeling Group is constantly testing new tools and techniques to evaluate which will work in TransUnion's environment. The TransUnion Modeling Group has also developed generic products for TransUnion's international businesses, including Canada, South Africa, and Colombia. Custom models built by TransUnion address the entire account lifecycle. Using these models with credit data result in excellent tools for predicting a variety of outcomes when targeting prospects, acquiring accounts, evaluating a portfolio, and managing collections strategy or recovery potential. We have developed custom models for customers in a wide variety of industries, such as retailers, home equity, bankcard, insurance, cellular phones, utilities, and collection agencies.