TransUnion launches synthetic identity fraud and credit washing risk scores

TransUnion has launched risk scores for synthetic identity fraud and credit washing, designed for FCRA-governed credit decisions with reason codes for declined applications. Oscilar is the first to integrate the scores. TransUnion estimates lender exposure to synthetic identity fraud at $2.4 billion as of June 2026.

• Lender exposure to synthetic identity fraud hit $2.4B as of June 2026
• Credit-washed consumers are 3.5x more likely to charge off a new account
• Among super prime consumers the risk is 10x higher
• Oscilar is the first platform to integrate the new scores