Consumer segmentation solutions
Credit3D® combines the power of the credit profile with the depth of trended credit data in ready-to-deploy, prescriptive solutions designed to increase response rates, optimize credit terms and decrease attrition. It takes point-in-time and historical data and transforms it into multidimensional insights.
Whether you’re entering a new market or seeking to manage and grow your existing portfolio, Credit3D takes the guesswork out of your data strategy. It offers complete solutions tailored across multiple industries and the full customer lifecycle.
Target the right consumers with the right offers and improve your response rates.
Understand a consumer’s total spend to set and adjust credit lines and interest rates.
Better assess ability to pay and identify customers who have the capacity to manage additional debt.
Uncover trends related to balance, payment and migration patterns
Analyze a consumer’s behavior over time with our Trended 3D™ attributes to uncover patterns that can enhance decisioning.
Access more than 2,100 credit attributes that provide clear insights into consumer credit behavior.
Identify consumers who will be in the market for a specific type of credit product within the next 30 to 120 days.
Predict the likelihood a consumer will initiate a balance transfer, and filter out likely rate surfers.
Leverage estimated income to determine consumers’ ability to repay loans.
Gain visibility into a consumer’s existing tradelines and estimated interest rates.
Better predict future spend with an estimate of a consumer’s total annual credit card spend.