While traditional credit data attributes provide valuable insights into customers at a given point in time, trended data and attributes analyze a customer’s behavior over time. With trended data, you’ll be able to get greater insights into customers to better determine their creditworthiness. Utilizing trended data in scoring models can improve lift when compared to models developed using traditional credit attributes alone.
Integrating trended attributes into business strategies can allow organizations to identify risk and determine their next best actions and solutions. These insights can help you understand not only what a customer looks like now but can also reveal how they got there and where they’re going.
Our trended data comprises five key fields of historical payment and balance information over a 24-month period. Historical trended data fields serve as the building blocks of models and attributes that unlock consumer credit behavior.
Extract the benefits of trended data with trended attributes like Experian’s Trended 3D™, which can be appended to your credit reports in an easy-to-use format for segmentation and decisioning insight.
Leverage predictive analytics with models built with trended attributes. Build your own models or hit the ground running with our prebuilt trended risk scores and solutions, including Experian TAPS℠ and In the Market Models℠.