CreditVision

Understand consumer behavior over time to identify those more likely to qualify for your products and respond to offers.

• Identify additional consumers who meet your risk criteria
• Target prospects more likely to respond
• Tailor offers to consumer based on anticipated need and behavior

Use trended data for a more accurate risk score, incorporating how an individual has changed their credit usage and payment behaviors over time.

• Better identify consumers who meet your risk levels
• Improve decisioning on consumers near score cutoffs
• Make more competitive and profitable pricing or decisions

Access additional dimensions of consumer behavior over time to understand shifts or patterns and cross-sell the right products at the right time.

• Diversify relationships with customers and offer relevant products
• Manage credit line and account management strategies
• Identify account issues early, including potential delinquency

Use actual payment amount data to understand which consumers likely can't or won't be able to pay, and those that will potentially yield the highest recoveries.

• Work accounts more efficiently and prioritize efforts
• Increase effectiveness through improved roll-rate and recovery models