This will end credit repair as we know it! The TransUnion Credit Washing Solution is a new set of data analytics tools and scores designed for lenders to detect and manage the risk associated with "credit washing," which is the practice of fraudulently removing legitimate, accurate negative data (like charge-offs) from a consumer's credit report. It is not a service for consumers to clean their own credit. What is Credit Washing? Credit washing is when individuals or credit repair organizations dispute valid negative information on a credit report with the goal of having it temporarily or permanently suppressed, thereby artificially inflating the consumer's credit score. The practice is distinct from legitimately disputing and correcting inaccurate data. This fraud can cost lenders billions in losses from consumers who take on new debt they never intend to repay. How the Solution Works The TransUnion solution is designed for use by financial institutions during processes like account origination, prescreening, and portfolio reviews. It helps lenders differentiate between legitimate disputes and suspicious suppression activity using advanced analytics and machine learning. The solution includes a Credit Washing Default Score that predicts default risk based on charge-off suppression history, Tradeline Washing Attributes to track unusual changes in reported charge-offs across different types of credit accounts, and Inquiry Washing Attributes to identify suppressed hard inquiries. These tools help lenders identify high-risk consumers for further review or to adjust credit decisions, ultimately reducing potential losses. Mass disputing and credit-washing tactics are officially being targeted. 💯🙏🏽 https://www.transunion.com/faq/what-is-credit-washing#:~:text=How%20TransUnion%20helps%20lenders%20address,reduce%20losses%20and%20improve%20targeting

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Bilt Card 2.0 officially launches February 7th, 2026. In early January, we'll be hosting a special event where we'll reveal our three new cards. After the announcement, you'll be able to select which card¹ is right for you, and we'll deliver it to your door ahead of launch—so you're ready to go from day one. Want to be the first to know when we drop the full details? Sign up at biltrewards.com/card for early access.