Archive services enables clients to analyze existing accounts or profile potential target groups to make informed credit decisions for portfolio growth. By observing portfolio behavior over time, clients can refine portfolio management tools to identify areas that present the highest potential profit and the highest risk.

Clients use archive data to develop custom scoring models, validate and adjust criteria of existing custom scoring models, develop and validate custom attributes, conduct testing, and analyze target groups such as non-responders. With archived data, clients can generate powerful business intelligence about their accounts to make smart, profitable credit decisions.

Credit Migration Solutions^SM monitors and compares a consumer's credit behavior changes over time to reveal how consumers are performing and how their profiles are changing. Maximize your credit relationships with your customers and prospects as their credit behavior changes over time.

Experian TAPS^SM uses balance data to estimate the annual spend on every credit card. It then aggregates trade lines to provide a clear snapshot of an individual's annual spend across all their general purpose credit cards. Experian TAPS^SM is strongly correlated with income, deposit balances and net worth.

Experian TAPS^SM is designed to give the client the ability to target higher spending customers or prospects, prioritize marketing investment, assign credit lines based on actual spending need, gain a sharper understanding of what drives spend, and retain customers that contribute to their bottom line.

Notification Services - Risk / Retention Triggers

Notification Services Daily Triggers are daily notices based on new inquiry, trade, and public record information to alert clients of credit activity. Capturing this data within 24 hours allows clients to respond to competitive threats, capitalize on opportunities to extend additional credit to existing customers, and to protect themselves against risk.

Quest allow clients to monitor their existing portfolio to gain greater insight into how their accounts are paying other credit grantors and to view consumer trends that may not yet be visible on their own account base. This gives our clients the information they need to renew existing accounts, increase credit limits, identify high risk accounts, prioritize collections and capture more business with special offers.

Trend View^SM unlocks the power of trending to help you progress from mass marketing to one-on-one target marketing. It provides unprecedented insight into the credit card usage patterns of your customers and prospects by appending revolutionary new attributes to your account review and acquisition campaigns.

Trended Solutions includes several products, namely, Trend View, the Short-Term Attributes, Line Management Attributes and the Trend View GUI. Trended Solutions provide clients valuable insight to increase their share of wallet, expand their relationships through cross-selling, improve their prospecting capabilities, and create improved line assignment strategies.

Trend View contains specific trade type information (bankcard, retail, unsecured line of credit, second mortgage, and home equity line of credit), that is able to identify different types of consumer behavior by way of six proprietary algorithms: Rate Surfer, Revolver, Transactor, Consolidator, Seasonality, Non-Activator.

Short-Term-Attributes identify change, specifically balance and utilization changes over the last 3, 6 and 9 month time frames. And the Quest Line Management Attributes are trended data that look at changes in credit limits as opposed to balances. And Trend View graphical user interface is a tool that was created for judgmental lenders (credit analysts who are looking at demographic and credit information to determine loan approvals and credit lines).

VantageScore is a powerful risk score which provides improved accuracy, consistency across the three bureaus, and enables lenders to find more creditworthy consumers.

Income Insight^SM and Income Insight W2^SM are models designed to estimate a consumer's income. Income Insight provides a comprehensive measurement of total income offering a complete financial picture of a borrower for greater insight into their ability to meet their obligations.

Income Insight W2 estimates the wage income of a consumer which is especially applicable for low to mid-range income levels where income is comprised mostly from wages. Both models were built using verified income data and are calculated using exclusively credit bureau attributes. In all cases, the models are not to be used as a basis of adverse action.