TRANSUNION INTERNATIONAL UK LIMITED

TransUnion - Support for Vulnerable Citizens - CreditView

CreditView, TransUnion’s fully hosted white-label software solution is uniquely positioned within the market to allow Partners to present Consumers with access to their credit score and report, underpinned with the tools and content to help them to understand and engage with this data to drive financial education.

Features

• Ensure the Consumer is genuine
• Provide consumers access to their credit score and report
• Presented within a highly visual, mobile optimised UX
• Extensive support literature to drive financial awareness
• Tools to help consumers to understand their credit data
• ‘What-if’ credit-score simulations to understand the impact of financial decisions
• Present, clear factors around the key influences impacting their credit-score
• Present suggested actions to help drive score improvement
• Provide pro-active alerting of the consumers credit profile
• Easy, online dispute capabilities

Benefits

• Quick to market (typically 6 weeks post contract signature)
• Minimal development effort required by the purchasing Organisation
• Highly configurable to ensure optimal solution fit
• Drive engagement with alerts and engaging educational features
• Help drive score improvements and improve financial outcomes
• Create empowered consumers

£1.00 a unit

Service documents

• Pricing document

  PDF

• Skills Framework for the Information Age rate card

  PDF

• Service definition document

  PDF

• Terms and conditions

  PDF

Request an accessible format

If you use assistive technology (such as a screen reader) and need versions of these documents in a more accessible format, email the supplier at mark.pestereff@transunion.com. Tell them what format you need. It will help if you say what assistive technology you use.

Framework

G-Cloud 14

Service ID

503081588814247

Contact

Mark Pestereff
07773 212093
mark.pestereff@transunion.com

Service scope

• Software add-on or extension: No
• Cloud deployment model: Public cloud
• Service constraints: Please refer to the Service Definition
• System requirements: Software Interface

User support

• Email or online ticketing support: Email or online ticketing
• Support response times: We have a range of SLA's depending on the nature and criticality of the ticket; full details can be agreed as part of any contract.
• User can manage status and priority of support tickets: No
• Phone support: Yes
• Phone support availability: 9 to 5 (UK time), Monday to Friday
• Web chat support: No
• Onsite support: Yes, at extra cost
• Support levels: Support levels are agreed on a per use case basis. All Partners are given access to our Client Services Desk, a team of highly experienced and dedicated staff. TU recommend that any Partners make available a customer service team in order to support any general customer queries via email. ; ; TU have a dedicated training team that can provide initial and ongoing support to the Partner customer service teams. TU will provide bespoke training sessions that are tailored to cover a variety of topics on subjects such as credit referencing agencies, credit report data, credit scores and operational support processes to ensure that Partner staff have the appropriate knowledge to handle any first line customer queries. ; ; Training is delivered via a workshop style session, or on a 121 basis if preferred. Where Partner customer advisors have access to TU data, TU will provide a full accreditation program to ensure any advisors who are in contact with the TU data and services are appropriately trained and suitably skilled to fulfil their role. The accreditation program is a bi-annual exercise and can be delivered via a ‘train the trainer’ approach which allows flexibility or alternatively TU can handle the whole process.
• Support available to third parties: Yes

Onboarding and offboarding

• Getting started: You will have access to our team of experts who will be available to help with the initial integration exercise. Our dedicated training team are available to provide initial and ongoing support as required. This team will deliver bespoke training sessions that are tailored to cover a variety of topics such as credit referencing agencies, credit report data and operational support processes to ensure that any approved staff have the appropriate knowledge to handle any first line customer queries.
• Service documentation: Yes
• Documentation formats: PDF
• End-of-contract data extraction: N/A
• End-of-contract process: At point of contract ending or terminating; the service is closed down and access for registered users is prevented. Agreement will be reached as to an acceptable time for the data to be removed.

Using the service

• Web browser interface: Yes
• Supported browsers:
  • Internet Explorer 11
  • Microsoft Edge
  • Firefox
  • Chrome
  • Safari
  • Opera
• Application to install: No
• Designed for use on mobile devices: Yes
• Differences between the mobile and desktop service: User experience is mobile optimised
• Service interface: Yes
• User support accessibility: WCAG 2.1 A
• Description of service interface: The CreditView Service interface is a browser based application which enables user management tasks including but not limited to viewing details of the users activity within the application. Furthermore, authorised admin users can view details of a consumers disputes and obtain some MI around utilisation via this service.
• Accessibility standards: WCAG 2.1 A
• Accessibility testing: As part of our accessibility standard checks we validate screen reading accessibility, accessible authentication and fixed reference points
• API: No
• Customisation available: Yes
• Description of customisation: Along with having the ability to choose which modules are applicable for their use-case, TU work closely with Partners to ensure that the underlying logic for on-boarding and servicing end users is configured in to the create the optimum solution. TU are available to support on a consultative basis.

Scaling

• Independence of resources: Our platform is hosted in Microsoft Azure allowing us to easily scale out with the provision of additional nodes for the web and app tiers and scale up the database to meet capacity demands. High availability is supported by SQL AG for data and for the application we have load balanced servers that can scale out to meet demand and will fail over automatically to a DR site for resilience. We closely monitor the environment for visibility of potential bottlenecks in throughput to enable us to act proactively ahead of demand peaks and react quickly as required.

Analytics

• Service usage metrics: Yes
• Metrics types: Our standard report includes the following metrics and additional reporting requirements can be considered upon request.; ; 1. Number of Registrations ; 2. Number of Successful Registrations ; 3. Number of Registrations resulting in a 'thin file' ; 4. Number of Unsuccessful Registrations ; 5. Number of Activations ; 6. Number of Logins ; 7. Number of distinct logins ; 8. Number of first time logins
• Reporting types:
  • Regular reports
  • Reports on request

Resellers

• Supplier type: Not a reseller

Staff security

• Staff security clearance: Other security clearance
• Government security clearance: Up to Baseline Personnel Security Standard (BPSS)

Asset protection

• Knowledge of data storage and processing locations: Yes
• Data storage and processing locations: European Economic Area (EEA)
• User control over data storage and processing locations: Yes
• Datacentre security standards: Supplier-defined controls
• Penetration testing frequency: At least once a year
• Penetration testing approach: ‘IT Health Check’ performed by a CHECK service provider
• Protecting data at rest:
  • Encryption of all physical media
  • Other
• Other data at rest protection approach: • Strong logical access control. Access is given based on least privilege and a need to know basis.; • Protective monitoring and event management using LogRhythm as a SIEM.; • Sourcefire & Palo Alto IDS.; • Checkpoint firewalls.; • Monthly vulnerability scanning programme of work.; • ISO27001 and PCI DSS compliant.
• Data sanitisation process: Yes
• Data sanitisation type: Explicit overwriting of storage before reallocation
• Equipment disposal approach: Complying with a recognised standard, for example CSA CCM v.30, CAS (Sanitisation) or ISO/IEC 27001

Data importing and exporting

• Data export approach: Functionality is available to export the credit data in PDF format.
• Data export formats: Other
• Other data export formats: PDF
• Data import formats: Other

Data-in-transit protection

• Data protection between buyer and supplier networks:
  • TLS (version 1.2 or above)
  • Other
• Other protection between networks: Web Application Firewall, IP Safe Listing, SSH key Pairs (for automation), complex password policy, Threat Detection Service team
• Data protection within supplier network:
  • TLS (version 1.2 or above)
  • Other
• Other protection within supplier network: Data Loss Prevention, Privelleged Access Management, Data Encryption at Rest, SIEM Alerts and Monitoring, Anti-Virus and EDR, Firewalls and VPN's

Availability and resilience

• Guaranteed availability: Our standard availability is 98.5%. We would be happy to discuss any specific availability requirements as appropriate.
• Approach to resilience: We operated on an active / passive configuration, with passive being a 'warm stand-by.' Data is pushed to the passive servers on a high frequency (every 5 minutes) to ensure high data accuracy and consistency. Front end traffic manager it used to facilitate switching between sites as required.
• Outage reporting: We have extensive error handling and reporting to provide early and detailed logs of any issues / errors. Our Client Support Team would notify affected clients via email as appropriate.

Identity and authentication

• User authentication needed: Yes
• User authentication:
  • 2-factor authentication
  • Other
• Other user authentication: Consumer security is of the upmost importance to TransUnion; we make every effort to ensure that only genuine consumers are on-boarded. Our authentication process is powered by TransUnion's TruValidate product and uses a combination of Consumer data e.g. name, address, email address and mobile phone number with attributes from the connecting device to determine the perceived risk of the validation attempts. Validation attempts which fail to satisfy our acceptable criteria are prevented from accessing the solution.
• Access restrictions in management interfaces and support channels: A policy of least privilege access is applied across the group to ensure employees only have access to what is required - this is regularly reviewed. Any privileged accounts are rigorously checked both prior to granting access, during use and on termination of permissions. Users come under multiple levels of policy regarding accounts and device usage. Networks are highly segmented with monitoring for inter-segment violations. Any sensitive systems are housed in dedicated secure environments.
• Access restriction testing frequency: At least once a year
• Management access authentication:
  • Username or password
  • Other
• Description of management access authentication: All management accounts must go through TU privileged access management, which limits access based on security groups and only provides the required access. Usernames and Passwords are domain managed and follow the Transunion Password Policy.

Audit information for users

• Access to user activity audit information: Users contact the support team to get audit information
• How long user audit data is stored for: At least 12 months
• Access to supplier activity audit information: Users contact the support team to get audit information
• How long supplier audit data is stored for: At least 12 months
• How long system logs are stored for: At least 12 months

Standards and certifications

• ISO/IEC 27001 certification: Yes
• Who accredited the ISO/IEC 27001: BSI
• ISO/IEC 27001 accreditation date: 29/05/2021
• What the ISO/IEC 27001 doesn’t cover: A.14.1.3, A.14.1.2
• ISO 28000:2007 certification: No
• CSA STAR certification: No
• PCI certification: Yes
• Who accredited the PCI DSS certification: Payment Software Company, Inc. (DBAPSC)
• PCI DSS accreditation date: 02/08/2021
• What the PCI DSS doesn’t cover: Full Report on Compliance (ROC) can be screen shared upon request
• Cyber essentials: Yes
• Cyber essentials plus: Yes
• Other security certifications: No

Security governance

• Named board-level person responsible for service security: Yes
• Security governance certified: Yes
• Security governance standards:
  • ISO/IEC 27001
  • Other
• Other security governance standards: Cyber Essentials Plus; PCI DSS
• Information security policies and processes: TU follows a dedicated Information Security Policy, as well as other processes such as data encryption and key management, secure application development etc.

Operational security

• Configuration and change management standard: Supplier-defined controls
• Configuration and change management approach: TU defined product development lifecycle, which includes various gates including budget, security and IT infrastructure. Small changes are captured within our internal ticketing system.
• Vulnerability management type: Supplier-defined controls
• Vulnerability management approach: Internal scans are completed on a regular basis (Daily, Weekly, Monthly depending on the endpoint). All Critical findings must be addressed within 30 days, High/Medium 60 days and Moderate to low 90 days. Any findings that cannot meet these deadlines must have a risk acceptance review and a deadline agreed by the business.
• Protective monitoring type: Supplier-defined controls
• Protective monitoring approach: Threat Detection Service, Data Loss Prevention team, Incident Management team - All monitoring 24/7/365
• Incident management type: Supplier-defined controls
• Incident management approach: NIST 800-61 and SANS PICERL

Secure development

• Approach to secure software development best practice: Independent review of processes (for example CESG CPA Build Standard, ISO/IEC 27034, ISO/IEC 27001 or CSA CCM v3.0)

Public sector networks

• Connection to public sector networks: No

Social Value

• Social Value:

  Social Value

  Wellbeing

  Wellbeing

  TransUnion is a global information and insights company that makes trust possible in the modern economy. We do this by providing an actionable picture of each person so they can be reliably represented in the marketplace. As a result, businesses and consumers can transact with confidence and achieve great things. We call this Information for Good®.; ; A leading presence in more than 30 countries across five continents, TransUnion provides solutions that help create economic opportunity, great experiences, and personal empowerment for hundreds of millions of people:; ; Economic Opportunity – We help businesses find their best customers and determine the right ways to serve and keep them—through access to products and services that help them achieve their goals. ; Great Experiences – We enable our customers to deliver friction-right experiences and relevant offers tailored to specific consumer needs, preferences, and patterns, while reducing risks posed by fraud. ; Personal Empowerment – By extending tools, offers, and opportunities directly through businesses, we help more people understand and manage their financial situations, driving loyalty and cross-sell opportunities for our customers.

Pricing

• Price: £1.00 a unit
• Discount for educational organisations: No
• Free trial available: No

Service documents

• Pricing document

  PDF

• Skills Framework for the Information Age rate card

  PDF

• Service definition document

  PDF

• Terms and conditions

  PDF

Request an accessible format

If you use assistive technology (such as a screen reader) and need versions of these documents in a more accessible format, email the supplier at mark.pestereff@transunion.com. Tell them what format you need. It will help if you say what assistive technology you use.