TransUnion announced the launch of a new Credit‑Washing Detection Solution on November 13, 2025, a tool designed to identify and flag the removal of legitimate, accurate credit data from consumer reports. The company said the solution will help lenders spot hidden risk during prescreen, pre‑qualification and portfolio review stages.
Credit washing has become a growing problem, with TransUnion estimating that roughly 5 % of U.S. consumers—about $10 billion of debt—have had charged‑off accounts suppressed for atypical reasons. The firm also noted that consumer‑initiated charge‑off suppressions have risen 700 % over the past two years, while lender‑initiated suppressions have increased 200 % over the last four years, underscoring the scale of the issue.
The new solution combines a Credit‑Washing Default Score with tradeline‑washing and inquiry‑washing attributes, all delivered as add‑ons to TransUnion’s credit and model reports. By integrating these signals into lenders’ existing workflows, the tool aims to reduce early charge‑offs and improve risk management across the financial‑services industry.
TransUnion’s Q3 2025 financials provide context for the launch. Revenue reached $1.170 billion, up 8 % year‑over‑year, while diluted EPS rose to $0.49 from $0.35 in Q3 2024. In Q2 2025, revenue was $1.140 billion, a 10 % increase from Q2 2024, and EPS climbed to $0.56 from $0.44. The company also highlighted an 11 % organic constant‑currency revenue growth in the earnings call, excluding a large breach‑remediation win from the prior year. Q4 2024 revenue of $1.037 billion reflected a 9 % year‑over‑year increase, with EPS at $0.34 versus $0.03 in Q4 2023.
Segment performance further illustrates the company’s momentum. U.S. Financial Services revenue grew 19 % and Emerging Verticals expanded 7.5 % in Q3 2025, driven by strong demand for data‑center and cloud‑based AI services and growing government contracts. These gains underpin the company’s confidence in raising full‑year guidance and continuing to invest in AI‑powered fraud detection.
Management emphasized the strategic importance of the new tool. Executive Vice President Jason Laky said the solution “demonstrates TransUnion’s focus on developing innovative solutions that help our customers grow while protecting them from bad actors.” Global Head of Fraud Steve Yin added that the tool “helps identify consumers with hidden risk before they become a financial burden for lenders.”
By addressing credit washing, TransUnion is reinforcing its broader AI and fraud‑prevention strategy, positioning itself as an industry first in this niche. The launch is expected to strengthen lenders’ risk models, reduce early charge‑offs, and support the company’s continued revenue growth in high‑margin AI and data‑services segments.
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