RANCHO CUCAMONGA, Calif. (9/9/10)--CO-OP Financial Services is offering CO-OP Credit Pass-Through Processing, which credit unions can begin implementing in January. Pass-through credit processing, also known as internal credit processing, allows credit unions to maintain control and customization when servicing their clients. Pass-Through processing also is less expensive than a fully outsourced solution, CO-OP said. With CO-OP’s Pass-Through, the credit union carries credit card loan receivables and handles back room services, such as cardholder member servicing, statement generation, payment processing and collections. CO-OP will provide the switch between credit unions and MasterCard and Visa networks, exception processing disputes and authorization, scoring and fraud detection. Other benefits of Pass-Through include cost savings, a consolidated reporting platform, better member service and a single point of client contact for debit and credit, CO-OP said. CO-OP also plans to make CO-OP Credit Full-Service Processing available next year. CO-OP Financial Services, Rancho Cucamonga, Calif., provides more than 28,000 surcharge-free ATMs and 4,000 shared branch locations for credit unions.