CHICAGO, July  16, 2026  (GLOBE NEWSWIRE) -- 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

TransUnion Brings New Alternative Credit Signals to Mortgage Decisioning

TransUnion expands mortgage analytics with ACA 2.0, signaling longer-term TRU upside

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    <h3>Information</h3>
    <p>CHICAGO, July  16, 2026  (GLOBE NEWSWIRE) -- 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</p>
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    <h3>AI Summary</h3>
    <p>TransUnion unveiled ACA 2.0 attributes in its TruVision mortgage reports, expanding visibility beyond traditional credit data. The upgrade aims to improve early-stage decisioning, reduce risk sooner, and enable more competitive pricing for qualified borrowers at no extra cost. If lenders adopt the enhanced insights, TRU could see higher usage in mortgage workflows and potential revenue growth over time.</p>
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    <h3>Key Points</h3>
    <ul><li>TransUnion adds ACA 2.0 attributes to mortgage reports via TruVision.</li><li>ACA 2.0 blends alternative signals with traditional data for underwriting.</li><li>No extra cost to lenders; could boost ACA adoption.</li><li>Strategy emphasizes earlier borrower insight and pricing competitiveness.</li><li>Part of TransUnion’s mortgage innovation legacy.</li></ul>
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  <section data-block="companies-mentioned">
    <h3>Companies Mentioned</h3>
    <ul><li><strong>TransUnion (TRU)</strong>: Announced ACA 2.0 integration into TruVision mortgage reports; potential revenue and usage expansion.</li><li><strong>FactorTrust (N/A)</strong>: Provider of ACA 2.0 data powering the enhanced attributes.</li></ul>
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  <section data-block="category">
    <h3>Corporate Developments</h3>
    <p>Category: Corporate Developments. The article details a product and data-services enhancement by TRU that could expand its mortgage analytics footprint and future revenue opportunities, fitting a corporate innovation narrative rather than a purely financial earnings event.</p>
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  <section data-block="market-moving">
    <h3>Market-Moving</h3>
    <ul><li>ACA 2.0 integration could expand TRU&#039;s mortgage data addressable market.</li><li>No additional cost to lenders may accelerate adoption.</li><li>Expansion may lift TruVision usage and cross-selling opportunities.</li><li>Positive sector sentiment on mortgage tech could lift TRU multiple.</li></ul>
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  <section data-block="key-facts">
    <h3>Key Facts</h3>
    <ul><li>Date of announcement: July 16, 2026.</li><li>ACA 2.0 uses FactorTrust&#039;s Alternative Lending Database data.</li><li>Attributes applied at or before prequalification stage.</li><li>No additional underwriting cost to lenders.</li><li>Part of TransUnion&#039;s ongoing mortgage data and risk analytics enhancements.</li></ul>
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  <section data-block="trading-thesis">
    <h3>Trading Thesis</h3>
    <p>Bullish: ACA adoption could lift TRU mortgage revenue in 6–12 months.</p>
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<link type="text/css" rel="stylesheet" href="https://www.globenewswire.com/styles/gnw_nitf.css"></link><p>CHICAGO, July  16, 2026  (GLOBE NEWSWIRE) -- TransUnion (NYSE:<a class="ticker" href="https://www.benzinga.com/quote/TRU">TRU</a>) today announced an enhancement to its mortgage credit report, with the addition of TruVision&#x2122; Alternative Credit Attributes (ACA 2.0) from its FactorTrust&#xAE; Alternative Lending Database to expand lenders’ visibility beyond traditional credit data.</p>  <p>The new alternative credit attributes give lenders earlier insight into borrower stability and intent, enabling them to prioritize high-potential applicants earlier in the funnel, streamline workflows and focus resources on loans more likely to convert. Applied as early as the prequalification stage, the data helps reduce risk sooner in the decisioning process. It also supports more consistent underwriting and enables competitive pricing for qualified borrowers.</p>  <p>By layering alternative financial signals alongside traditional credit data, the new ACA 2.0 attributes deepen mortgage risk assessments and provide greater visibility into the consumer’s full wallet. Moreover, these enhanced insights are delivered at no additional cost, enabling lenders to improve decision quality without increasing underwriting expense.</p>  <p>"This enhancement reflects our continued focus on giving mortgage lenders a more complete and actionable view of borrower behavior," said Satyan Merchant, senior vice president and mortgage and automotive business leader at TransUnion. "By bringing richer credit insight earlier into the process, lenders can make more confident decisions, reduce unnecessary risk and concentrate their efforts on applicants most likely to convert—ultimately enabling more efficient access to credit for qualified consumers."</p>  <p><strong><em>Continuing a History of Mortgage Lending Innovation</em></strong></p>  <p>This latest enhancement to the mortgage credit report builds on TransUnion’s legacy of innovation that helps lenders better assess consumer creditworthiness. These include:</p>  <ul type="disc"><li><strong>Trended Credit Data:</strong> In 2013, TransUnion introduced first-to-market trended credit data, shifting underwriting away from a single point-in-time snapshot toward a more dynamic view of borrower behavior. This helps reshape risk assessment, segmentation and approaches to fairer pricing.<br></br><br></br></li><li><strong>TruVision Early Access Soft Check</strong>: This solution delivers comprehensive credit insights without a hard inquiry, enabling smarter prequalification decisions. It brings rich TransUnion data earlier into the mortgage process, improving operational efficiency and transparency for both lenders and borrowers.<br></br><br></br></li></ul>  <p>"TransUnion continues to expand credit insight through our risk solutions," said Mohamed Abdelsadek, Chief Global Solutions Officer, TransUnion. "Combined with TruVision&#x2122; Alternative Credit Attributes, these innovations give lenders greater confidence and a more complete, dynamic view of consumer financial behavior."</p>  <p>To learn more about TransUnion Mortgage Industry Solutions that help lenders make smarter, more confident marketing, customer acquisition and lending decisions, click <a href="https://www.globenewswire.com/Tracker?data=fkmy5yP7OBJ0S8aZrUU-JDfnMFqsrnONe-W5JDPrrGA8EAHKuVwkYSDnEFDTR2q1dHqIKCuIoaxOj5bdl8k5iWVb1HQj9Oi0rc3MvsjfPxToCYscCvsPCnxdigfAB9P46Gm6h1mRy2-lxs9XeN_4rnMt8mvwrOXp8vKO1Pl-ICmYYv-o-gl52yFMnYH_tIwCkXJlCJZw-3NQwYown16BvhU1rfBloVifQMYcuVZSe0V6LA-pCRWIPDDNPyU-LsI9JVSSQQX9c_7N098b5EjewFeCAvMgzDTEZdtRCs8PMqM=" rel="nofollow" target="_blank">here</a>.</p>  <p><strong>About TransUnion (NYSE:<a class="ticker" href="https://www.benzinga.com/quote/TRU">TRU</a>) </strong></p>  <p>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&#x2122; picture of each person: an actionable view of consumers, stewarded with care. Through our acquisitions and technology investments we have developed innovative solutions that extend beyond our strong foundation in core credit into areas such as marketing, fraud, risk and advanced analytics. As a result, consumers and businesses can transact with confidence and achieve great things. We call this Information for Good&#xAE; — and it leads to economic opportunity, great experiences and personal empowerment for millions of people around the world.</p>  <p><a href="https://www.globenewswire.com/Tracker?data=CWvfk4ITYh88jPYlFDC1oeJg3-GKynv2hxa6P099GRFCXY9f_BvUwiqp8fZ8qAjJdx_upF1QbosUvwCBhiKl4x_gKeOL8S1b3ZBId_XNRTzII1qFHgSS9lhR03Siq4rh" rel="nofollow" target="_blank">http://www.transunion.com/business</a></p> <table style="border-collapse: collapse; width:100%; border-collapse:collapse ;"><tr><td style="max-width:25%; width:25%; min-width:25%;"><strong>Contact</strong></td><td style="max-width:75%; width:75%; min-width:75%;">Dave Blumberg</td></tr><tr><td> </td><td>TransUnion</td></tr><tr><td> </td><td> </td></tr><tr><td><strong>E-mail</strong></td><td>david.blumberg@transunion.com</td></tr><tr><td> </td><td> </td></tr><tr><td><strong>Telephone</strong></td><td>312-972-6646</td></tr></table> <p><strong><br></br></strong></p> <img alt="" class="__GNW8366DE3E__IMG" src="https://www.globenewswire.com/newsroom/ti?nf=OTc2MzA1NSM3NzA4MTEyIzIwMDk4NzQ="></img> <br></br><img alt="" src="https://ml.globenewswire.com/media/OWI4NGMzMzgtNmJmOS00ZTM3LWIzYmMtZmZmMTY2MjBkZjE1LTEwMjE0NDctMjAyNi0wNy0xNi1lbg==/tiny/TransUnion.png" referrerpolicy="no-referrer-when-downgrade"></img><p><a href="https://www.globenewswire.com/NewsRoom/AttachmentNg/8cc0f5ef-8284-496b-8554-d00cc2d898ea"><img src="https://ml.globenewswire.com/media/8cc0f5ef-8284-496b-8554-d00cc2d898ea/small/tulogo-blue-wcag-rgb-300x80-jpg.jpg" border="0" width="150" height="39" alt="Primary Logo"></img></a></p>

TransUnion unveiled ACA 2.0 attributes in its TruVision mortgage reports, expanding visibility beyond traditional credit data. The upgrade aims to improve early-stage decisioning, reduce risk sooner, and enable more competitive pricing for qualified borrowers at no extra cost. If lenders adopt the enhanced insights, TRU could see higher usage in mortgage workflows and potential revenue growth over time.

TransUnion Brings New Alternative Credit Signals to Mortgage Decisioning

AI Summary

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Market-Moving

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