TransUnion launches solution to combat credit washing

TransUnion (TRU) launched a new and innovative solution designed to combat credit washing-the practice of removing legitimate, accurate and non-obsolete credit data from credit profiles. TransUnion’s industry-first Credit Washing Solution helps financial institutions detect and combat this growing threat.In 2025, roughly 5% of U.S. consumers have had charged-off accounts suppressed for atypical reasons, with an estimated $10 billion in debt erased from credit reports by the end of the year. These atypical suppressions-driven by consumer, lender, credit repair and debt settlement practices-cause artificial increases in credit scores that can dramatically alter how a consumer’s risk is assessed. A TransUnion analysis shows a nearly 700% increase in consumer-initiated charge-off suppressions over the past two years, and a 200% increase in lender-initiated suppressions over the last four. As these incidents continue to increase, the Credit Washing Solution offers a timely and powerful defense using advanced analytics and machine learning.