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Prama

Quickly build portfolio insights through a self-service, visual platform

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Understand Consumer Behavior

Inform your lending and marketing strategies with better insight into credit-active consumers. Gain market intelligence into your portfolio performance, account origination activity and share of wallet.

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Identify Growth Opportunities

Capture new opportunities by recognizing changes in your portfolio, market conditions and competition. Use competitive insight into balances, originations and performance benchmarks to get ahead.

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Improve Portfolio Profitability

Manage risk more effectively by evaluating underwriting criteria and delinquency rates. Get insight into key trends for your line of business, customer segments and portfolio vintages.

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Transform insights to action across the analytics lifecycle

Prama Market Insights

Prama Market Insights

Quickly identify fluctuations in credit behavior and see how your existing strategies compare against the industry. Identify market trends by product, lender and geography on a quarterly basis for:

  • Origination volumes
  • Risk distribution
  • Credit performance
Learn About Prama Market Insights
Prama Vintage Analysis

Prama Vintage Analysis

Segment your portfolio to assess risk and understand how your vintages compare to your peers’ and the industry. Explore key delinquency metrics to easily evaluate your portfolio and adjust risk strategies, including:

  • Originating risk tier
  • Pricing
  • Debt levels
  • File depth
  • Geographic distribution
Learn About Prama Vintage Analysis
Prama Benchmarking

Prama Benchmarking

Understand on-us and off-us behavior and tap market intelligence on prospects served by peers. Leverage insights within relevant lender segments to uncover opportunities to expand your portfolio across:

  • Auto
  • Card
  • Personal loans
Learn About Prama Benchmarking
Prama Data Extract

Prama Data Extract

Access TransUnion’s depersonalized full national credit data file to:

  • Enhance your own analytics in your environment
  • Search and query data with point and click access
  • Query on CreditVision attribute and score models, as well as VantageScore® 3.0 and VantageScore® 4.0
  • Receive the dataset, typically within 24 hours1
Learn About Prama Data Extract

1 Once the criteria has been defined, the data set is typically delivered within 24 hours. 24 hour delivery is dependent on job complexity. Under certain situations, dataset delivery can take longer.

Lenders’ Success Demands Self-service Analytics

 

Lenders need better portfolio analysis and want self-service tools to unlock insight. Prama delivers on-demand consumer credit insights.

66%

of lenders say data and analytics are evolving faster than their internal capabilities

73%

of lenders report their lack of analytics capabilities affects their ability to compete

*Lenders Reveal,TransUnion and Versta Research Survey, 2016

If you’re a consumer with questions or issues related to your personal credit report, drivers history report, disputes, fraud, identity theft, credit report freeze or credit monitoring services, please visit our Customer Support Center for assistance.

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