TransUnion launches industry-first adverse-actionable scores for synthetic fraud and credit washing

TransUnion (TRU) launched credit washing and Synthetic Fraud Scores with adverse action capability, the first of their kind. The scores allow lenders to identify synthetic identity fraud and credit washing risk and provide consumers with reason codes for denial. Oscilar is the first platform to integrate the scores. TransUnion research shows $2.4 billion in lender exposure to synthetic identity fraud as of June 2026.