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BankrptyPredict
Assess and mitigate risk with the latest in state-of-the-art predictive scoring

Experian® and Visa have combined their analytical expertise — and unique data sources — to create BankruptcyPredict.1 This new, powerful bankruptcy score uses patented technology and processes to create a more comprehensive view of consumers most likely to drive bankruptcy losses over the next 24 months, providing time for proactive decisioning to mitigate losses.

Improve account management and increase profitability with more accurate predictions

A combination of Visa transaction spending characteristics and Experian consumer credit attributes and balance trending data presents a comprehensive view of a consumer’s credit history and provides a more precise risk assessment.

Achieve early detection and more actionable opportunities with constantly updated data

The BankruptcyPredict score reflects the most current credit card transaction and credit profile behaviors for consumers in your existing portfolio so you can act quickly to avoid future losses as a result of bankruptcy filings.

Meet your customer management needs with flexible score delivery options

You choose the level of customer management for each account, taking preemptive actions to minimize bankruptcies that erode your profits. Choose daily monitoring to take immediate action on high-risk accounts and mitigate exposure. Utilize month-to-month management across your entire portfolio to assess where changes are occurring and apply the most appropriate strategies.

Features

Experian consumer credit data, Trend ViewSM data and Visa transaction data

The power of two — an exclusive offering from Experian and Visa

  • More accurately identify high-risk consumers for proactive decisioning based on age of trades, delinquencies, hard inquiries, balances, credit limits and balance transfers
  • Gain a more comprehensive, enterprise-level view of the consumer with a combination of credit reporting agency attributes and trending data, as well as transactional behaviors such as credit card transaction amounts, merchant category codes and cash advances
  • Mitigate future bankruptcy losses with scores that are refreshed daily based on the most current credit card transaction and credit profile for consumers in your existing portfolio

Powerful bankruptcy prediction risk score

Positively impact your decisions and bottom line with a bankruptcy score that provides:

  • A more comprehensive view of a consumer’s credit activity
  • Improved predictive power
  • A higher degree of accuracy
  • Early detection for proactive action on high-risk accounts

For more information on this product, please contact us at 1 888 414 1120.

1BankruptcyPredict is provided by Experian and Integrated Solutions Concepts, Inc., a wholly owned subsidiary of Visa Inc.


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For more information, please contact us at 1 888 414 1120.
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