This comprehensive library includes over 2,600 attributes covering 35 industry groups.
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DMS Summary Attributes® consolidate credit information for easier analysis by application and decisioning platforms, turning redundant data into valuable information. Credit-based decisions can be made more consistently with attributes that are uniformly distilled from each of the major credit bureaus.
DMS Summary Attributes® make calculating and implementing credit characteristics understandable and efficient for rule-based, statistical and transactional models. Common characteristics are provided across all credit bureaus and include 2,622 tri-bureau attributes covering 35 industry groups and nine risk categories. This comprehensive library is integrated with multiple loan origination systems and is available at the marketing and account management stages at Equifax®. DMS provides consistency of attributes over multiple bureaus and bureau versions, including online and archive delivery without compromising processing speed.
With complete coverage of the consumer credit file across multiple bureaus and bureau versions, DMS Summary Attributes® deliver consistently derived attributes at all stages of the customer lending cycle. The attributes provide increased predictive power through new analytic concepts and are designed to accommodate a broad spectrum of scenarios that lenders address while evaluating creditworthiness. In addition to providing insight into consumer usage of different loan products and account types, DMS Summary Attributes® help assess risk across multiple categories including collections, delinquency, new credit, public records, usage, and trend.
If the standard library of attributes doesn’t meet your needs, the DMS Decision Science team can work with you to develop custom attributes.
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