Real Time Scoring is an enhancement to  the existing  Neural Network that will aid in the fight against fraudulent transactions.  Currently, transactions are scored by the Neural Network after the authorization process.  With Real Time Scoring, your member transactions will be scored at the time of authorization, potentially stopping fraudulent transactions at the merchant.

Your credit union received information from our staff about the implementation of Real Time Scoring for your debit card program.  Your credit union is required to initial and return the Real Time letter to the ICUL Service Corporation.