Transform the way you evaluate and understand consumers
Trended credit insights derived from superior intelligence and analytics lead to more precise decisions across the account lifecycle, resulting in reduced risk and increased profits.
CreditVision Premium Attributes & Algorithms use account history over the last 24 months to provide you with a deeper and broader view of consumer behavior:
Revolver
Categorizes card and retail trades as revolving, transacting or inactive each month and describes related behaviors
Payment
Identifies payment-based behaviors (e.g., payment ratios, excess payments, prepayment frequency and amount)
Balance Magnitude
Index revealing direction and recency of balance change over the past 24 months
Wallet Share
Captures balance shifts indicative of consumer loyalty to tradelines over time
Spend
Concentration, velocity and seasonal measures of total consumer spend
General
Presents general insights into consumer behavior for use across the customer lifecycle