These services enable the instant verification of
customer identity thus providing security for those conducting transactions
online and at call centres. It gives customers instant answers and
enables credit-granters to check security in real time.
VantageScore
Developed as a direct result of market demand for
a new approach to credit scoring, VantageScore combines the collective
experience of the three major credit reporting companies in the
US: Experian, Equifax and TransUnion. Any resultant consumer score
is now directly comparable with any other, with any variations caused
simply by data differences, not by the structure of the scoring
model or data interpretation. Consumers vouch for it being an easier
to understand score. It is independently marketed and sold through
each of the three companies and has created a new standard across
the US.
Direct to consumer credit profile management
products
CreditExpert, Triple Alert, Triple Advantage and Credit
Manager are all products offered by Experia, direct to the consumer,
to allow them to monitor and protect their credit histories, which
can help guard against identity fraud. Consumers can track changes
to their credit score through daily alerts which indicate credit
activity. These changes could be signs of identity theft. There
are various levels of service, which offer everything from online
educational articles and advice to identity theft insurance and
a dedicated fraud resolution service.
Car Data Check Services including AutoCheck
and Motorcycle Service
Protects those involved in buying, selling, insuring
or financing used vehicles from fraud. It confirms the vehicle’s
identity and any current adverse information recorded against it,
such as indications that the vehicle may have been stolen, outstanding
finance, details of insurance write off and salvage and flood damage
history - which could affect the value or the safety of the car.
Motor Insurance Database
Enables the identification of uninsured drivers in
the UK and provides an effective tool for the police and insurers
to tackle the problem. Uninsured driving costs the UK in excess
of £350 million and affects the insurance premiums of insured
drivers.
Absolute Movers and similar products
A product for identifying home movers that prevents
communications being sent to previous occupiers. This reduces
the risk of identity fraud and prevents wasted mailings reducing
the environmental impact of direct marketing. Similar products
ensure that databases are kept up to date by removing the names
of – for example – deceased individuals, and ensuring
that relatives are not distressed with unnecessary mail.
‘I really cannot praise UAR highly enough.
When I initially sought help from various organisations, ombudsmen etc.,
I got nowhere. Only when I contacted you did I find an organisation
whose support enabled me to persist and reach a successful conclusion.
My heartfelt thanks therefore to all at the UAR.'
