Predict consumer behavior at each stage of the customer lifecycle.
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The ability to predict consumer behavior at each stage of the customer lifecycle impacts both the management of risk as well as revenue potential. A “trended” view of the customer leverages credit data at specified points of time, including credit utilization, past balances, and payment history. These data points can help companies better tailor marketing offers in the acquisition stage, as well as assign or increase credit limits.
Is the applicant a “transactor” who pays off the balance of revolving tradelines every month, or a “revolver” who carries a balance from month to month? Does the applicant have the financial discipline to pay down a balance over time, or are they ramping debt up? Trended data attributes provide insight to these questions by delivering a history of tradeline balance information.
Trended data attributes are available from multiple credit bureaus and are also available for archives processed through DMS. When generated, these attributes can be included in the development and validation of new scoring models.