Trend Data Overview

Make more informed decisions every step of the way with the right insight and information. Trend Data is a powerful data solution that helps you establish future goals and predict loss with greater accuracy. With Trend Data, you can ensure the accuracy of your loan loss reserve methodology, determine the best approach for expanding in new markets, analyze the impact of economic trends on your portfolio, and track your performance against both the competition and the industry at large within your footprint. And with comprehensive data that allow for more accurate forecasting, you can make decisions with more certainty and confidence.

You'll have online access to more than 200 credit characteristics dating back to 1992-a depth of data that is unmatched in the industry. This allows you greater accuracy and reliability in benchmarking performance, analyzing trends, forecasting goals and stress testing.

Trend Data is a data source consisting of over 200 credit characteristics dating back to 1992 and is comprised of over 20 million consumer records-making it essentially a 10% sample of the US credit-using population-giving you more statistically significant insight into the consumer credit industry. Plus, financial institutions can use this data as a proxy where their own data history might be lacking.

TransUnion provides a comprehensive snapshot of the overall US consumer credit landscape and the capability to customize behavior comparisons from one geographic area to another, allowing you to make more informed decisions such as where to expand your business.

Evaluate credit changes and identify consumer behavior within a specific credit landscape over time so you can better understand the drivers of portfolio change and plan proactively for them.

Trend Data forecasts are based on historical trends in consumer financial behavior and leading macroeconomic indicators, so you can better forecast long-term loan demand and performance.  For example, you can realize increased accuracy in determining an independent estimate on how delinquency rates will move over the next 24 months within your footprint.

Track the impact that expected or unexpected changes to the external environment can have on your portfolio, such as economic, public policy or legislative changes.