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Retrospective Analysis

Validate the impact of strategy changes on your portfolio performance

Retrospective Analysis demonstrates which risk models best accomplish business objectives

In terms of consumer behavior and ability to pay, the past can predict the future. Using TransUnion historical credit information, a retrospective analysis will validate how well a specific model, multiple models or characteristics will predict future consumer behavior on your portfolio—throughout the account lifecycle. With these new insights, you can develop new acquisition, account management or collection strategies, or refine and revalidate strategies currently in place. Additionally, you can determine the most effective score cut-off thresholds for your specific portfolio objectives.


Standard reports provided include:

  • Score distribution report by numbers
  • Score distribution report by percentages
  • Interval rate report
  • Interval odds report
  • Cumulative prevention report: numbers
  • Cumulative prevention report: percentages
  • Cumulative acceptance report: percentages
  • Graphs: lift curves
  • Custom reports are available upon request


Product Highlights

Any generic or custom risk model may be appended

Up to nine generic models may be included

Standard and custom performance definitions available

New account and existing account analysis available

Portfolio (example: installment versus revolving)

Geographic area (example: zip code, state)

Custom criteria (example: open dates, balances)

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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