Just after the company was created, TransUnion acquired the Credit Bureau of Cook County (CBCC), possibly one of the largest manually-held consumer databases. The CBCC manually maintained almost 4 million card files stored in 400 seven-drawer cabinets. Imagine the hours in labor it took to find, update and replace the cards when changes in a consumer’s file took place! Taking human error into consideration, one can imagine the number of mistakes these card files held. These days, our individual credit reports are held online – though mistakes still occur more frequently than you might think. One advantage of using Vivix Credit Solutions is that we can quickly get these credit blemishes removed for you in a timely manner. The enormous benefits that an online information storage and retrieval system affords retailers can also be a consumer’s greatest headache if the information shared about that person is inaccurate.

Starting in the 1990’s, after decades of continued company growth and advancement in technologies, TransUnion began the focus on business to business operations. Just like the other two leaders in the credit reporting industry – Equifax and Experian – new capabilities led to the ability to expand their products offered and to whom. During the height of the real estate market, TransUnion offered solutions to lenders that gave them the ability to originate and close residential loans nationwide. Though the market has slowed considerably in real estate, these business to business solutions still play a large role in the services offered by the credit bureau. While the majority of credit inquiries focus on the financial risk of consumers, pre-offer inquiries are frequently made to check on a consumer’s suitability for a particular credit card or other financing offer.

With the rise of consumer complaints in the early 2000’s, credit agencies began offering more services to individuals and would-be debtors. These services range from credit monitoring to supplying credit reports for a fee, although agencies are now obligated to provide one free credit report per year. Vivix Credit Solutions offers an even more thorough collection of services for consumers looking for anything from information to a full credit rebuilding package. In addition, if an error needs to be removed or credit reporting information updated, we will contact each credit bureau to be sure the changes take place where needed. Whereas purchasing credit monitoring from TransUnion will not catch fraudulent activity posted by Equifax or Experian, our services will encompass information held by all credit bureau agencies – even the allusive Innovis. Our goal is to serve you by repairing or rebuilding your overall credit report and score so that you can access the credit that you deserve.