Let Us Help - Contact Us
Learn how Short-Term AttributesSM can help you retain profitable accounts and identify the best new customers.
Call us at 1 888 521 4022
Experian's Trended Solutions
Unlock the power of historical credit data
How does Experian TAPS work?
Predicted spend vs. actual spend
Download a presentation with additional features and details about this industry-unique algorithm.
Learn More About
- Consumer Information Services
Take advantage of exclusive insights from Experian's industry experts
Join the Discussion
Hear from our experts and share your views.
Dispute Your Credit Report Information
Resolve reporting errors by disputing information on a personal or business credit report.
Capture changes in your customers' debt levels
Short-Term AttributesSM are part of Experian’s Trended Solutions product suite. They will allow you to unlock the power of historical credit data to manage prospects and customers across the credit life cycle.
These industry-unique attributes capture revolving debt and utilization changes over the past three, six and nine months.
By understanding if a consumer is rapidly increasing his or her balances or paying off debt, lenders can more effectively segment prospects and customers who are likely to go delinquent.
Short-Term-Attributes will allow you to understand where a consumer has had substantial changes in debt, if there are trades that have had utilization spikes and the dollar amounts of those changes.
Analysis has proven that Short-Term AttributesSM segment risk more effectively than using credit scores alone.
The attributes are available for portfolio review or other batch processes and can even be incorporated into decision models as part of an online credit report.
Short-Term-Attributes can be the data source you need to ensure you fully understand not only a consumer’s current debt levels, but also identify the direction the debt is heading.
Experian's Trended SolutionsSM
Understanding consumers’ past behavior is crucial to understanding their credit preferences and their potential risks and for developing a strategy for the future. Enhance the profitability of your portfolio with the power of Trended Solutions.
Explore more of Experian's Trended Solutions:
- Experian TAPS (Total Annual Plastic Spend)
Know your customers' spend on all general purpose credit and charge cards over the last 12 months.
- Trend View
Unlock the power of trended data and make the most appropriate — and profitable — offers to customers and prospects at precisely the right time.
- Quest Line Management Attributes
Gain an unprecedented market view into credit line changes that have happened over the last 24 months.