TruVision® Trended Risk Score

The TruVision Trended Risk Score offers valuable, actionable insights that empower lenders to make decisions that help drive profitable growth throughout the credit lifecycle.

Power Deeper Insights

Gain new insights with a more predictive score based on pre- and post-pandemic behavior trends, leveraging trended data.

Power Smarter Decisioning

Combine trended credit data with conventional risk capabilities to strengthen strategies.

Power Profitable Growth

Understand shifting credit behaviors to enhance product offerings and optimize risk segmentation.

Product Capabilities

Built on both pre- and post-pandemic data

The TruVision Trended Risk Score helps predict the likelihood of 90+ days delinquency over 18 months.

Broadened availability of positive financial opportunities

Because the TruVision Trended Risk Score has been designed to assist those with established credit and also supports the needs of new-to-credit (NTC) and thin-file consumers, lenders have the opportunity to grow their portfolios.

Improved Risk Segmentation

The TruVision Trended Risk Score can help lenders modernize their credit strategies with an advanced approach that provides comprehensive consumer views — supporting more informed credit risk assessments.

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 the TruVision Trended Risk Score

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 Risk Score