While traditional attributes provide valuable insight into a consumer’s behavior at a given point in time, trended attributes analyze a consumer’s behavior patterns over time. These time-series attributes unlock valuable information hidden within the credit report, such as, is their debt and spending increasing, have their credit lines been reduced, have they historically been a transactor but have now started revolving balances?
Trended 3D is our newest trended attribute set. With over 2000 attributes, Trended 3D summarizes the 24-month history of five key fields found in a credit report: balance, credit limit or original loan amount, scheduled payment amount, actual payment amount and last payment date. These new insights can help you understand not only what a consumer looks like now, but also how they got there.