CreditVision

New Consumer Insights.

More Profitable
Lending Strategies.
New consumer insights. More profitable lending strategies.

Broader and deeper data on consumers Extract value from the data
Trending 30 months of historical data on a By applying analytics to these data, institutions
consumer allows institutions to see patterns can interpret, identify and act on specific
and behaviors invisible in point-in-time views behaviors or make more confident decisions

Taking advantage of credit data traditionally
ignored, institutions have greater insights
into capacity and payment behaviors to
make confident decisions on an even
broader spectrum of consumers
Insights delivered in a way customers can use
With use cases across the account lifecycle,
this suite has capabilities ranging from raw data
to sophisticated models that can be delivered in
real time or in batch, allowing for simple integration
into existing operations

The dynamic economy continues to have an impact on consumer behavior and performance. Institutions that
evaluate consumers on a holistic level will have better insight into the drivers of performance, allowing them
to improve strategies across the account lifecycle. But do you have the tools to engage in and sustain
this approach? CreditVision is a suite of solutions that enables more precise lending decisions based on the
enhanced ability to identify specific credit trends. Enriched data and analytics provide a more comprehensive
view of consumer performance, so decisions can be improved across the account lifecycle.

Gain a broader and deeper view into a consumer’s credit profile with CreditVision.

Enriched credit report and attributes

→ New data fields from traditional credit report
PREMIUM → Enhancements to existing fields
ALGORITHMS
Account history
→ Up to 30 months of account history data
ENRICHED → Configurable for 12, 18, 24 or 30 months
ACCOUNT
CREDIT
HISTORY
→ Nine data fields
REPORTS &
ATTRIBUTES CREDITVISION Address history
→ Expanded maximum number of addresses returned
→ Date reported returned on all addresses,
where available
ADDRESS Risk and Propensity scores
SCORES HISTORY
→ Expanded historical data including payment ratios,
directional changes in balance and shifts in
utilization levels
→ More predictive than traditional scores
Premium algorithms
→ Premium algorithms based on historical account data
→ Packaged into sets by application
Leverage CreditVision to inform strategies across the account lifecycle

ENGAGE ACQUIRE MANAGE RECOVER

Find and connect with
more people that match
selection criteria
→ How can I find
more buyers in my
risk profile?
→ How can I reach more
and better prospects
by expanding my
risk profile?
→ How can I stand out
in the marketplace?
→ How can I make my
offers more relevant?
Initiate new relationships
and deliver a positive
user experience
→ How can I make the
best decisions about
who I serve?
→ What opportunities exist
for more consistent
acquisition processes?
→ How can I approve more
“good” customers?
→ How can I reduce
manual reviews and
stay compliant?
Learn of changes that
may impact customer
eligibility/profitability
→ How can I retain
customers and sell
more to them?
→ How do I identify
struggling consumers
in my portfolio before
they go delinquent?
→ How do I monitor life
events in my portfolio
to identify opportunities
for new offers?
Mitigate loss with efficient
investigations and
collections
→ How do I prioritize my
delinquent consumers —
balance, date of delinquency,
ability to pay?
→ How do I separate
forgetful and sloppy payers
from consumers in true
financial distress?

CreditVision solutions are FCRA-compliant, available through all TransUnion delivery channels and are
adverse actionable, with limited exceptions.1
1
CreditVision solutions are adverse actionable, except the following: CreditVision Bankcard Behavior Segments, CreditVision
Acute Relief Attributes, CreditVision Acute Relief Recovery Attributes, CreditVision Income Estimator, CreditVision Debt-to-Income,
CreditVision Propensity Scores
 Enhance decisions by leveraging a view of payments, SOLUTION DELIVERY
credit behaviors and other factors spanning up to Account history report
30 months, including data fields such as:
Online
• TU4.0
→ Balance: Evaluate how the account is used over time
• TU4.1
→ Credit limit: Understand a consumer’s access to credit over time • TUXML—Version 2.5 or later
→ High credit: Obtain indication of creditors’ willingness to extend
more credit to a consumer, or propensity to increase use
→ Payment due amount: Evaluate cash flow commitments
→ Amount past due: Identify changes in severity of delinquency over time
→ Actual payment amount: Evaluate payment behavior over time
→ Three remarks codes: Review additional historical status information

Access to additional dimensions of consumer

behavior supports improved lending decisions

Standard tradeline information

With standard credit information, lenders will only see the consumer’s
balance at the point in time when the credit report was ordered.
→ What will the balance be in future months?
→ How will this impact a credit decision?

Past Future
Total bankcard
balance

TODAY:
$12,500 ?

Enriched tradeline information with account history

With enriched credit information, obtain a much more granular view
of consumer behavior.
→ Now, what will the balance be in future months?
→ Would the decision have changed?

Past Future
Total bankcard
balance

TODAY:
$12,500
Enriched Credit Report SOLUTION DELIVERY
Obtain a more complete consumer view through new credit Standard credit report
report data values and enhancements to existing fields Online
• TU4.0
New data fields Existing data fields • TU4.1
• TUXML—All versions
→ Actual Payment Amount with enriched values
→ Expanded Remark Codes → Historical Counters and Maximum Enriched credit report
Delinquency Enriched Payment Pattern
→ Last Maximum Delinquency Online
→ Expanded Field Lengths • TU4.1
• TUXML—Version 2.10
For other delivery options,
Standard credit report tradeline please contact your sales
representative
Max
Sub Sub Open Terms delin- MOP
name code date quency

Account Loan Verified Close Payment MO 30/ High

ECOA
number type date date pattern 60/90 credit

Payment
Credit Generic
Balance Past due Remarks due
limit remark amount

Enriched credit report tradeline

Max Last max
Sub Sub Open Terms deli- delin- MOP
name code date quency quency

Account Loan Verified Close Payment MO 30/ High

ECOA
number type date date pattern 60/90 credit

Com- Payment
Payment Credit Generic Rating
Balance Past due pliance due
amount limit remark remark
remark amount

Enriched New field Conceptual

field
Premium Algorithms SOLUTION DELIVERY
Understand key consumer behavior patterns such as revolving credit, CreditVision Premium
balance build, loyalty and product preference to enhance strategies Algorithms

Online
• Standard and enriched
Wallet Share Aggregate credit reports
• Model report
• Collections
Prioritization Engine
Usage Magnitude
• Online Batch
Trended
credit data Batch:
• Prescreen
Trade to algorithms • Cross-Sell
Consumer Payment • Portfolio Review
• Archive

Spend Revolver

Aggregate
Offers monthly aggregations
of monetary fields
Magnitude
Measure the direction, velocity
and recency of: balances;
utilizations; bankcard credit
limits; past due amounts;
monthly obligations (minimum
amount due); excess payments;
loan/line amount patterns
Payment
Indentifies payment-based
behaviors, such as payment
ratios, excess payments,
prepayment frequency
and amount
Revolver
Categorizes card and retail
trades as revolving, transacting
or inactive each month and
describes related behaviors
Spend
Concentration, velocity
and seasonal measures of
total consumer spend
Trade to Consumer
Offers views into tradeline
level changes
Usage
Assesses utilization levels and
amount of available tradelines
Wallet Share
Captures balance shifts indicative
of consumer loyalty
to tradelines over time
Risk scores
Better predict performance, improve strategies and enhance risk management

Built from TransUnion’s own enriched consumer credit report, CreditVision Risk Scores are more predictive
than traditional risk scores. Gain the benefit of new data, including actual payment amounts, 82-month extended
account-level payment patterns and 30 months’ history for each account — to help increase approvals and
bookings and reduce losses.

ACCOUNT MANAGEMENT RISK SCORE NEW ACCOUNT RISK SCORE

Designed to provide a deeper view of existing
loan portfolios, this score can be incorporated into
portfolio reviews to better understand risk and future
performance and adjust strategies accordingly.
Acute Relief Risk Score
Trended usage and payment data are strong leading
indicators of risk in this score, taking the place
of data that may become invisible during acute
situations.
Auto Risk Score
Designed for auto lenders, financing companies
and dealers, this risk score helps better predict
performance on new auto loan accounts.
This score consistently beats traditional scores
at assessing risk and future performance on new
accounts across a range of loan product types,
including credit cards, retail accounts, home equity
accounts, personal loans and finance accounts.
Personal Loan Risk Score
This dynamic risk score allows you to better predict
performance on new unsecured installment loans.
Personal Loan Risk to Roll Score
This score is predictive of consumers who are one
cycle past due on their personal loans and identifies
those most likely to roll to 90 days past due, or within
the next 6 months.

BANKRUPTCY RISK SCORE RECOVERY SUITE OF RISK SCORES

This unique bankruptcy score produces a more
accurate assessment of a consumer’s likelihood
to file bankruptcy across the risk spectrum and
the customer lifecycle.
These recovery scores incorporate number of
payments, payment recency and size of payment.
They are proven to be more predictive than using
traditional data in models in recovering past-due
debt and include all industry, bankcard, medical,
telco/utility scores.
CreditVision New Account Score DELIVERY OPTIONS
outperforms other scores Online
• Standard and enriched
credit reports
Comparison of Risk Score K-S Values • Model report
• Collections
Traditional Risk Score CreditVision New Account 2.0 Prioritization Engine
• Online Batch
21%
Batch
• Portfolio reviews
• Acquisition programs
• Archives
20%
K-S Value

17%
81% 126%

Sub Prime NearPrime Prime Prime Plus Super Prime

Risk tier defined independently of the two scores being evaluated

Comparison of Risk Score K-S Values

Bankcard Originations
Traditional Risk Score CreditVision New Account 2.0

18%
4%

16%
K-S Value

62%
62%

Sub Prime NearPrime Prime Prime Plus Super Prime

Risk tier defined independently of the two scores being evaluated

Estimators
Gain insights into key factors of a consumer’s financial life or existing relationships that may be
helpful at multiple stages in the account lifecycle.

APR Estimators
The APR Estimators provide insights into what a consumer is likely paying for credit on other accounts.
This can be invaluable for institutions to engage, acquire and retain existing accounts.

Debt to Income Estimator

Using trended data on monthly debt service and estimated income, institutions can quickly and accurately
understand the debt service burden for any one customer or prospect. This information can improve
campaign targeting, increase the speed of underwriting, help manage line and privilege assignments
on existing accounts, and help prioritize collections efforts.

Income Estimator
The CreditVision Income Estimator goes beyond wages and salaries to predict a consumer’s total income
— factoring in additional sources such as investment income, alimony, business income, IRA distributions,
pensions and annuities, real estate income, unemployment compensation and Social Security benefits.
CreditVision Propensity Scores
These scores provide an enhanced ability to identify specific credit trends, helping to increase
the odds of acquisition by specifically targeting active consumers. By studying consumer behavior,
institutions can act more quickly and with confidence that offers will be timely and well received.

Auto Loan Propensity Score HELOC Propsenity Score

Identify consumers more likely to Identify consumers more likely to
open a new auto loan within open a new HELOC account
the next three months in the next eight months

Auto Refinance Home Equity Propensity SCORE

Propensity Score
Identify consumers more likely to
refinance an auto loan within the
next two to four months
Identify consumers more likely to
open a home equity line or loan in
the next three months

Bankcard Propensity SCORE Mortgage Propensity Score

Identify consumers more likely to Identify consumers more likely to
open a new bankcard within the apply for a mortgage within the
next three months next five months

Consolidation Propensity Score Personal Loan Propensity Score

Identify consumers more likely to Identify consumers more likely to
consolidiate two or more loans into a open an unsecured installment loan
new unsecured installment loan in in the next three months
the next three months

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