Improve customer segmentation and reduce acquisition costs
Approve more consumers without adjusting your risk tolerance
Strengthen and grow existing customer relationships with better customer profiling
Maximize collections efficiency by assessing behavior over time
TransUnion CreditVision® suite of solutions leverages the power of trended credit data and advanced analytics to provide wider and deeper consumer insights than ever before.
By using the latest bureau data elements, longer account history timeframes, and over a thousand enriched attributes and algorithms, scores and models are significantly enhanced. Used across your value chain, CreditVision can help you strengthen marketing models, improve consumer risk segmentation at acquisition, better manage existing customer risk and opportunity, and enrich recovery and collections.
Optimized risk management strategies rely on your ability to predict future consumer behavior. Payment ratios, directional changes in balances, wallet share and shifts in utilization are just some of the valuable insights revealed in our enhanced algorithms — developed to provide expanded views of consumer performance over time.
To make better decisions during acquisition and portfolio reviews, you need a complete view of consumer behavior over time. Using enriched trended credit data — including actual payment amounts, balance, and utilization trends — CreditVision Risk Score produces a more accurate assessment of consumer creditworthiness than traditional risk scores. That means you’re better able to predict future behavior based on objective insights that help you decide whom to engage and retain.