PRODUCT

Integrated Credit Enquiry

Access multiple credit data sources in a single platform for faster, smarter and more confident credit decisions

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When traditional bureau records are fragmented, lenders risk declining creditworthy applicants. TransUnion® Integrated Credit Enquiry builds a holistic view of each applicant through a single, automated process — so you can make more informed lending decisions while maintaining seamless customer experiences.

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HOW IT DRIVES BUSINESS GROWTH

Maximises hit rates

Automatically sequence searches across TransUnion, CIC and CVLink to capture usable data for more applicants.

Strengthen new-to-credit underwriting

Assess thin-file borrowers by incorporating non-bank and telco data histories.

Streamline enquiry workflow

Automate the multi-source process end to end — with minimal system intervention for shorter turnarounds.

The process

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TransUnion

Queried first. If a match is returned, the process concludes.

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CIC

If no TransUnion match, the request routes automatically to the CIC database.

CVLink

If both TransUnion and CIC return no match, the system queries CVLink telco data to identify the applicant.

Eligibility and compliance

The Integrated Credit Enquiry is available to TransUnion members and CIC-qualified Accessing Entities that have nominated TransUnion as its Special Accessing Entity (SAE) — subject to regulatory and onboarding requirements. The service operates in compliance with the Credit Information System Act (RA 9510) and CIC data access guidelines.

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