TransUnion

Alternative Credit Attributes advance TransUnion’s legacy of innovation with more comprehensive data for smarter mortgage decisions TransUnion (NYSE: TRU) today announced an enhancement to its mortgage credit report, with the addition of TruVision™ Alternative Credit Attributes (ACA 2.0) from its FactorTrust® Alternative Lending Database to expand lenders’ visibility beyond traditional credit data.

Boilerplate About TransUnion (NYSE: TRU) TransUnion is a global information and insights company with over 13,000 associates operating in more than 30 countries. We make trust possible by ensuring each person is reliably represented in the marketplace. We do this with a Tru™ picture of each person: an actionable view of consumers, stewarded with care.

The report predicts changes in the number of mortgage-ready renters across metropolitan statistical areas (MSAs), based on a 25 basis-point increase or decrease from a 6.5% mortgage interest rate.

Imposter scams are the fastest growing type of phone fraud, according to the Federal Trade Commission (FTC). And as criminals increasingly leverage artificial intelligence (AI) for their exploits, the problem is bound to get worse. Many consumers still want that personal experience, which is why the phone remains a popular communications channel — in turn making it a popular target for imposter scams.

Third-party collections teams are making thousands of outreach attempts every day. Yet many of those attempts never reach the right consumer, connect at the wrong time or use a channel that goes ignored. The result is wasted effort, rising costs and missed recovery opportunities across the operation. For a long time, the third-party debt collection industry focused heavily on scale: more accounts, more calls, more campaigns and more vendors. There was logic behind that.

A new TransUnion (NYSE: TRU) study reveals a significant gap between insurers’ perceptions and consumer experience. While 70% of insurers say they deliver personalized experiences, only 43% of consumers agree. The disconnect is even more pronounced among Gen Z, with just 32% reporting personalized experiences. TransUnion presented the research at its recent Insurance Summit, which brought together 112 insurance professionals.

Gibson Bullock: Hello and welcome to today's session — From Boardroom Bets to Buyer Beliefs: Bridging Marketing Strategy and Expectation. Our TransUnion presenter today will be Karen Imbrogno who serves as a market development manager for insurance. And with that, I'll hand it over to Karen for her presentation. Karen Imbrogno: Great. Thanks, Gibson.

The research identified the top 15 fraud indicators based on their ability to help predict a negative outcome within 12 months after a renter applied for a lease. Another leading indicator was having eight or more credit inquiries within four days, further underscoring the predictive strength of unusually high inquiry activity. TransUnion analyzed more than 1.1 million renters who moved during 2024 and tracked charge-offs within one year after moving as a proxy for fraud-related risk.

The communications trust crisis is no longer a future risk — it’s a daily reality. Fraudulent robocalls, call spoofing and voice‑based scams are disrupting how consumers and businesses connect, undermining confidence in one of the most important customer engagement channels: the phone.

Summary S&P Global Chief Economist Paul Gruenwald returns to discuss why the US economy continues to outperform expectations despite mounting geopolitical, policy and energy shocks. He breaks down the key risks ahead — from labor market fragility to global fragmentation and the evolving role of AI in growth.