TruVision Trended Premium Algorithms and TruVision Enriched Attributes

TruVision Trended Premium Algorithms and TruVision Enriched Attributes help lenders build high-performing custom risk models.

Assess credit behaviour over time

TruVision® Trended Premium Algorithms help assess credit behaviour and capacity trended over time, versus a traditional snapshot of a point in time.

Monitor risk via usage trends

Monitoring utilization can help assess a consumer's likelihood to go over limit, which may indicate a need for more credit if payments are made on time, or poor credit management by a potentially high-risk consumer.

Evaluate payment behaviour and stability

Identifies certain payment behaviours, including excess payment, payment ratios, such as Total Payment Ratio (TPR) and Payment to Balance Ratio (PTB), payment frequency, and amount.

Product Capabilities

Assess credit behaviour trends

TruVision Trended Premium Algorithms incorporate up to 24 months of account history – along with actual payment amounts – to provide insights into consumer behaviour.

Analyze usage and open trends

Monitor credit usage across lending products beyond your organization’s, to help assess consumers’ likelihood to go over limit

Measure financial magnitude shifts

Measure the direction and consistency of change over the last 24 months by weighing more recent periods of balances, utilizations, bankcard credit limits, past due amounts, excess payments, and loan amount patterns.

CREDIT INSIGHTS

Deeper Consumer Credit Analysis

Leverage TruVision solutions to enhance credit decision-making and risk assessment capabilities.

Aggregate Excess Payment Magnitude helps identify consumers less likely to become delinquent on a new bankcard by highlighting those who increase their excess payments before opening the card.
Balance Magnitude is a strong, incremental indicator of future behaviour. It helps identify the level and recency of change in a consumer’s indebtedness.
Categories of TruVision Trended Premium Algorithms include Credit Behaviour, Usage, Magnitude, and Payment, providing deeper insights into consumer credit risk.
TruVision Enriched Attributes support a clearer assessment of consumers' credit stability, potential high-utilization patterns, and assist with customer segmentation.
Common use cases include monitoring credit usage beyond your organization and supporting assessment of credit stability using mobility pattern attributes.

Related products

Learn more about TruVision Algorithms and Attributes Solutions

If you’re a consumer with questions or issues related to your personal credit report, disputes, fraud, identity theft or credit monitoring services, please visit our https://secure-ocs.transunion.ca/secureocs/home.html.

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TruVision Trended Premium Algorithms and TruVision Enriched Attributes