Understanding members’ past behavior is crucial to understanding their credit
preferences, their potential risks and for developing a strategy for the future. Enhance
the profitability of your portfolio with the power of Trended Solutions.
Beyond Point in Time Data
Experian’s Trended Solutions do not rely on data warehouse snapshots. Experian
stores 24 months of balance and credit limit history in a manner that fully complies
with the Fair Credit Reporting Act. To you, that means:
Saving time and expense — There is no
need to maintain a large data warehouse or match monthly updates on a database to
Improved accuracy — Data reflects subscriber
and member updates; monthly information is tied directly to the trade, eliminating
Timely information — Data is stored by
the date it was received, so late entries are not lost
Featured Trended Solutions Services and Tools
Experian has the expertise to help you achieve desired results.
Experian TAPSSM - Find
out how much your members and prospects are spending on their credit cards with
Experian TAPS (Total Annual Plastic Spend), the first industry-unique algorithm that
accurately estimates a member’s discretionary spend on all general purpose credit
and charge cards over the last 12 months.
ViewSM - Gain unprecedented insight
into how members and prospects use credit by appending behavior attributes to
your account review and acquisition campaigns.
Quest Line Management AttributesSM
- Quantify changes in credit lines by identifying proactive and reactive credit line
decreases and increases that have occurred over the last 24 months. Utilize this information
to understand how others are managing credit limits on your customers or prospects
to better understand their risk.
Would you like to learn about the full suite of Trended Solutions services