0
©2014 Experian Information Solutions, Inc. All rights reserved. Experian and the marks used herein are service marks or re...
2©2014 Experian Information Solutions, Inc. All rights reserved. Experian Public.
Key lender challenges
 Creditworthiness...
3©2014 Experian Information Solutions, Inc. All rights reserved. Experian Public.
Top lender questions
 Who is likely to ...
4©2014 Experian Information Solutions, Inc. All rights reserved. Experian Public.
Trended SolutionsSM
Experian’s trended u...
5©2014 Experian Information Solutions, Inc. All rights reserved. Experian Public.
A new view of the consumer
Experian uses...
6©2014 Experian Information Solutions, Inc. All rights reserved. Experian Public.
 FCRA compliant
 Full life cycle appli...
7©2014 Experian Information Solutions, Inc. All rights reserved. Experian Public.
Who is likely to
respond to an offer?
Tr...
8©2014 Experian Information Solutions, Inc. All rights reserved. Experian Public.
 Enhanced segmentation, unique Experian...
9©2014 Experian Information Solutions, Inc. All rights reserved. Experian Public.
In the Market ModelSM
Bankcard model per...
10©2014 Experian Information Solutions, Inc. All rights reserved. Experian Public.
Key components
Balance Transfer IndexSM...
11©2014 Experian Information Solutions, Inc. All rights reserved. Experian Public.
Balance Transfer IndexSM
Value proposit...
12©2014 Experian Information Solutions, Inc. All rights reserved. Experian Public.
How does a consumer
use credit?
Trended...
13©2014 Experian Information Solutions, Inc. All rights reserved. Experian Public.
Trended data
Experian retains 24 months...
14©2014 Experian Information Solutions, Inc. All rights reserved. Experian Public.
Trend ViewSM
Understanding behavior to ...
15©2014 Experian Information Solutions, Inc. All rights reserved. Experian Public.
Balance Transfer Surfer Model™
Overview...
16©2014 Experian Information Solutions, Inc. All rights reserved. Experian Public.
$-
$2,000
$4,000
$6,000
$8,000
$10,000
...
17©2014 Experian Information Solutions, Inc. All rights reserved. Experian Public.
Is there a better way to
understand ris...
18©2014 Experian Information Solutions, Inc. All rights reserved. Experian Public.
 Experian stores historical
payments, ...
19©2014 Experian Information Solutions, Inc. All rights reserved. Experian Public.
 Experian stores historical
payments, ...
20©2014 Experian Information Solutions, Inc. All rights reserved. Experian Public.
 Experian stores historical
payments, ...
21©2014 Experian Information Solutions, Inc. All rights reserved. Experian Public.
Differentiating consumers through payme...
22©2014 Experian Information Solutions, Inc. All rights reserved. Experian Public.
What are they?
 Payment Stress Attribu...
23©2014 Experian Information Solutions, Inc. All rights reserved. Experian Public.
 Historical scores calculated using tr...
24©2014 Experian Information Solutions, Inc. All rights reserved. Experian Public.
 Historical risk score changes can dif...
25©2014 Experian Information Solutions, Inc. All rights reserved. Experian Public.
How can I acquire
profitable consumers?...
26©2014 Experian Information Solutions, Inc. All rights reserved. Experian Public.
 Experian TAPSSM is a spend algorithm
...
27©2014 Experian Information Solutions, Inc. All rights reserved. Experian Public.
Experian TAPSSM accurately captures spe...
28©2014 Experian Information Solutions, Inc. All rights reserved. Experian Public.
 Experian has developed more than
300 ...
29©2014 Experian Information Solutions, Inc. All rights reserved. Experian Public.
Similar to regular credit attributes th...
30©2014 Experian Information Solutions, Inc. All rights reserved. Experian Public.
Profit suite – revenue proxies
Experian...
31©2014 Experian Information Solutions, Inc. All rights reserved. Experian Public.
 Until now card issuers have had limit...
32©2014 Experian Information Solutions, Inc. All rights reserved. Experian Public.
 Over 30% of U.S. cardholders produce ...
33©2014 Experian Information Solutions, Inc. All rights reserved. Experian Public.
Are you interested in a validation?
Wha...
34©2014 Experian Information Solutions, Inc. All rights reserved. Experian Public.
…with the power of trended solutions!
U...
35©2014 Experian Information Solutions, Inc. All rights reserved. Experian Public.
For additional information, please cont...
36©2014 Experian Information Solutions, Inc. All rights reserved. Experian Public.
Visit the Experian Expert Bar to learn ...
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Vision 2014: How Can Experian's Trended Capabilities Help Solve Lender Issues?

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This is a product overview of all Experian’s trended capabilities and the road map ahead. Experian’s Trended SolutionsSM use historical data and can assist with Prescreen targeting and selection, acquisition/underwriting and account review, including risk and retention.

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Transcript of "Vision 2014: How Can Experian's Trended Capabilities Help Solve Lender Issues?"

  1. 1. ©2014 Experian Information Solutions, Inc. All rights reserved. Experian and the marks used herein are service marks or registered trademarks of Experian Information Solutions, Inc. Other product and company names mentioned herein are the trademarks of their respective owners. No part of this copyrighted work may be reproduced, modified, or distributed in any form or manner without the prior written permission of Experian. Experian Public. How can Experian’s trended capabilities help solve lender issues? Bryan Collins Experian Brodie Oldham Experian #vision2014
  2. 2. 2©2014 Experian Information Solutions, Inc. All rights reserved. Experian Public. Key lender challenges  Creditworthiness  Risk  Profitability Achieve YOUR goals with trended capabilities
  3. 3. 3©2014 Experian Information Solutions, Inc. All rights reserved. Experian Public. Top lender questions  Who is likely to respond to an offer?  How does a consumer use credit?  Is there a better way to understand risk?  How can I acquire profitable consumers? Achieve YOUR goals with trended capabilities
  4. 4. 4©2014 Experian Information Solutions, Inc. All rights reserved. Experian Public. Trended SolutionsSM Experian’s trended universe Overview 24 months of trended data Custom attributes Historical balance and payment data utilized to create attributes / build models Trended attributes Trend ViewSM Identify revolving / transacting trades Short-Term AttributesSM Capture bal / util changes Line Management AttributesSM Identity limit changes Payment Stress AttributesSM Aggregate payment data Consumer applications Experian TAPSSM Annual credit card spend Balance Transfer IndexSM Propensity to balance transfer In the Market ModelsSM Propensity to open auto, mortgage, bankcard EIRC for RevolvingSM Effective APR and 6-month yield Risk Stability IndexSM Improving or declining risk score
  5. 5. 5©2014 Experian Information Solutions, Inc. All rights reserved. Experian Public. A new view of the consumer Experian uses trended data to deliver a unique view of the consumer Payment behavior: MIN PAY – 2% Annual card spend: $7,500 6 month yield: $ 74 Average effective APR 16.99% In the market? Bankcard BT Index (0- 999) 875BTs in last 12 months 2 Revolving trades: 4 Transacting trades: 0 Risk Index rating: Unstable Utilization in last 6 months: + 35% Credit card bals last 6 months: + $8,000 BEHAVIOR RISK REVENUE RESPONSE Trended data allows Experian to reveal a comprehensive view of a consumer’s credit behavior to improve risk, response and profit…
  6. 6. 6©2014 Experian Information Solutions, Inc. All rights reserved. Experian Public.  FCRA compliant  Full life cycle application ► Available in batch (prescreen, account review) and online  10 + years experience  Experian innovative generic and custom solutions Trended solutions Why Experian?
  7. 7. 7©2014 Experian Information Solutions, Inc. All rights reserved. Experian Public. Who is likely to respond to an offer? Trended capabilities Client issue 1
  8. 8. 8©2014 Experian Information Solutions, Inc. All rights reserved. Experian Public.  Enhanced segmentation, unique Experian assets and sophisticated modeling methodology were used to develop a series of best-in-class prospecting models ► Developed with Premier AttributesSM, the credit industry’s most advanced and comprehensive set of predictive consumer credit attributes ► Leveraged Experian’s Trend ViewSM data for increased prediction ► Patent pending for unique approach to scorecard development In the Market ModelsSM Unique modeling for optimal predictive metrics Suite of next generation prospecting scores that predict the likelihood that a consumer will open a specific product type 30 to 120 days from the point of observation
  9. 9. 9©2014 Experian Information Solutions, Inc. All rights reserved. Experian Public. In the Market ModelSM Bankcard model performance 10% 20% 30% 40% 50% 60% 70% 80% 90% 100% 5% 10% 15% 20% 25% 30% 35% 40% 45% 50% 55% 60% 65% 70% 75% 80% 85% 90% 95% 100% Percentofopenaccounts Percent of Population The new In the Market ModelSM for Bankcard identifies 8% more consumers who opened a new trade over the legacy model at 50% of the scored population 80% of opens identified in the Top-50% ITMM 1.0 ITMM 2.0 ITMM = In the Market ModelSM
  10. 10. 10©2014 Experian Information Solutions, Inc. All rights reserved. Experian Public. Key components Balance Transfer IndexSM Overview Model target Experian tradeline level data and variables Historical consumer balance transfer activity Model predicts likelihood that a consumer will initiate a balance transfer within the subsequent six months Score out put from 100-990 Higher score = higher likelihood of balance transfer Generic trended and custom attributes utilized Key predictors: Balance transfer history, historical balance transfer amounts, cards carried utilized Experian developed logic identifies historical card to card balance transfer activity using Experian tradeline level data
  11. 11. 11©2014 Experian Information Solutions, Inc. All rights reserved. Experian Public. Balance Transfer IndexSM Value proposition Other banks Bank XYZ Balance transfer in to client accounts  Enhance targeting of existing balance transfer customers and eliminate marketing on customers with low balance transfer likelihood  Opportunity to adjust terms of offer based on customer balance transfer appetite Other banksBank XYZ Balance transfer out of client accounts  Identify customer with high risk of balance attrition  Pre-empt balance attrition with retention offers and capture balance transfer dollars being funneled to other banks Other banks Balance transfer between non-client accounts by client customers (60% of balance transfer $ activity is “off-bank”)  Identify new balance transfer opportunities within customer base  Grow capture rate of total customer balance transfer activity Other banks Balance Transfer IndexSM creates value for clients in various ways
  12. 12. 12©2014 Experian Information Solutions, Inc. All rights reserved. Experian Public. How does a consumer use credit? Trended capabilities Client issue 2
  13. 13. 13©2014 Experian Information Solutions, Inc. All rights reserved. Experian Public. Trended data Experian retains 24 months of history on key data fields on every trade Trade #1 Bank name Account # Open date Credit line Balance Actual payment Loan type Visa 4812 3/9/1990 $25,800 $13,300 $650 Credit card Account condition Account status Special comment Months reporting Minimum payment due Months since update Date of payment OPEN CURR ACCT CH 231 $275 1 Aug-13 Trade #1 Balance Credit limit Minimum payment due Account payment Date of payment Month 0 $13,300 $25,800 $275 $1,000 Aug Month 1 $14,680 $25,800 $280 $1,000 July Month 2 $16,060 $25,800 $286 $1,000 June Month 3 $17,440 $25,800 $297 $1,000 May Month 4 $18,820 $25,800 $310 $1,000 April Month 5 $20,200 $25,800 $330 $1,000 March Month 6 $21,580 $25,800 $343 $1,000 February Month 7 $22,960 $25,800 $350 $1,000 January These five historical fields plus the corresponding trade level data are used to create Experian’s Trended SolutionsSM
  14. 14. 14©2014 Experian Information Solutions, Inc. All rights reserved. Experian Public. Trend ViewSM Understanding behavior to satisfy consumer credit needs … results should drive offer strategy to improve response and optimize marketing expense Precise targeting  Identify consumers who have been revolving for many months for balance transfer offers  Target revolvers with consolidation / personal loans  Target transactors and “super transactors” with reward offers  Target inactives based upon multiple behavioral uses (market with product rotation)  Create campaign efficiency suppression (suppress “card collectors” and “rate surfers” Examples of attributes  Number of 12-month revolving trades  Average balance of 12-month revolving trades  Recent balance transfer  Number of balance transfer in last 24 months  Number of 12-month transacting trades  Number of dropped trades
  15. 15. 15©2014 Experian Information Solutions, Inc. All rights reserved. Experian Public. Balance Transfer Surfer Model™ Overview Marketing eligible population Balance Transfer IndexSM Balance Transfer Surfer Model™ Balance transfer consumer target Balance Transfer IndexSM predicts likelihood that a consumer will initiate a balance transfer within the next six months. Score output from 100-990 Higher score = higher likelihood of BT Balance Transfer Surfer Model™ identifies consumers that are likely rate surfers. Score output from 100-989 Higher score = higher likelihood of being a rate surfer Identify consumers who are likely to perform a balance transfer in the next six months for marketing and retention efforts
  16. 16. 16©2014 Experian Information Solutions, Inc. All rights reserved. Experian Public. $- $2,000 $4,000 $6,000 $8,000 $10,000 $12,000 $14,000 Apr May Jun July Aug Sept Oct Nov Dec Bankcard balance Retail balance Short-Term AttributesSM Capture balance and utilization changes Attribute examples Quantity Number of revolving trades with greater than 0% utilization change in three months 2 Dollar change in revolving balances in six months $5,776 Percentage change in total revolving balances in nine months 210% Balance and utilization changes Total limit By looking at short-term trends you can identify rapidly increasing balances Capturing the dollar and percentage changes will enhance your risk models and identify risky customers before they go delinquent
  17. 17. 17©2014 Experian Information Solutions, Inc. All rights reserved. Experian Public. Is there a better way to understand risk? Trended capabilities Client issue 3
  18. 18. 18©2014 Experian Information Solutions, Inc. All rights reserved. Experian Public.  Experian stores historical payments, balances and requested payment data at the trade level  The data enables a detailed view of changes in pay rates and debt burdens that are not captured in credit scores, providing a unique profile of a consumer Payment Stress AttributesSM Viewing payment data, both currently and over time, to understand consumer risk February 2012 VantageScore® 720 Balance $22,000 Status Good standing Balances Min Pay DUE Actual pay Jan $22,000 $550 $2,000 Dec $26,000 $650 $3,500 Nov $20,000 $500 $12,000 Oct $28,000 $700 $8,000 Sep $35,000 $875 $6,000 Aug $45,000 $1,125 $11,000 Jul $48,000 $1,200 $3,000 Balances Min Pay DUE Actual pay Jan $22,000 $550 $550 Dec $19,000 $475 $475 Nov $16,000 $400 $400 Oct $15,000 $375 $400 Sep $11,500 $288 $320 Aug $9,000 $225 $300 Jul $6,500 $163 $200 Consumer A Consumer B
  19. 19. 19©2014 Experian Information Solutions, Inc. All rights reserved. Experian Public.  Experian stores historical payments, balances and requested payment data at the trade level  The data enables a detailed view of changes in pay rates and debt burdens that are not captured in credit scores, providing a unique profile of a consumer Payment Stress AttributesSM Viewing payment data, both currently and over time, to understand consumer risk February 2012 VantageScore® 720 Balance $22,000 Status Good standing Balances Min Pay DUE Actual pay Jan $22,000 $550 $2,000 Dec $26,000 $650 $3,500 Nov $20,000 $500 $12,000 Oct $28,000 $700 $8,000 Sep $35,000 $875 $6,000 Aug $45,000 $1,125 $11,000 Jul $48,000 $1,200 $3,000 Consumer A  Paying well over minimum payments  Demonstrated ability to pay  No stress
  20. 20. 20©2014 Experian Information Solutions, Inc. All rights reserved. Experian Public.  Experian stores historical payments, balances and requested payment data at the trade level  The data enables a detailed view of changes in pay rates and debt burdens that are not captured in credit scores, providing a unique profile of a consumer Payment Stress AttributesSM Viewing payment data, both currently and over time, to understand consumer risk February 2012 VantageScore® 720 Balance $22,000 Status Good standing Balances Min Pay DUE Actual pay Jan $22,000 $550 $550 Dec $19,000 $475 $475 Nov $16,000 $400 $400 Oct $15,000 $375 $400 Sep $11,500 $288 $320 Aug $9,000 $225 $300 Jul $6,500 $163 $200 Consumer B  Making minimum payments for the last three months  Payment amounts vs. minimum due is decreasing over time Payment stress $550 $550 $475 $475 $400 $400 $375 $400 $288 $320 $225 $300 $163 $200
  21. 21. 21©2014 Experian Information Solutions, Inc. All rights reserved. Experian Public. Differentiating consumers through payments Who is the best prospective customer? Payment data enables a much better understanding of how a consumer uses their bankcard accounts Consumer Avg monthly balance Vantage Score® Monthly balance and payments Total annual payments Avg % of balance paid A $3,462 740 $1,126 2.6% B $3,435 736 $22,390 53.4% C $3,465 744 $42,429 100.0% $0 $1,000 $2,000 $3,000 $4,000 $5,000 $6,000 Jan-11 Feb-11 Mar-11 Apr-11 May-11 Jun-11 Jul-11 Aug-11 Sep-11 Oct-11 Nov-11 Dec-11 Total Bankcard Balance Total Bankcard Payments $0 $1,000 $2,000 $3,000 $4,000 $5,000 $6,000 $7,000 Jan-11 Feb-11 Mar-11 Apr-11 May-11 Jun-11 Jul-11 Aug-11 Sep-11 Oct-11 Nov-11 Dec-11 Total Bankcard Balance Total Bankcard Payments $0 $1,000 $2,000 $3,000 $4,000 $5,000 $6,000 Jan-11 Feb-11 Mar-11 Apr-11 May-11 Jun-11 Jul-11 Aug-11 Sep-11 Oct-11 Nov-11 Dec-11 Total Bankcard Balance Total Bankcard Payments
  22. 22. 22©2014 Experian Information Solutions, Inc. All rights reserved. Experian Public. What are they?  Payment Stress AttributesSM compare a consumer’s actual payment against the requested minimum payment due (card, auto, mortgages) in the most recent month, as well as over time How are they implemented?  The attributes can be returned in both batch and online (10/1), are FCRA compliant and can be used for adverse action Lenders can leverage this data to:  Enhance risk segmentation strategy across the consumer credit life cycle  Understand ability to pay  Target consumers based on payment behaviors Analysis: Payment Stress AttributesSM Overview Key attribute examples Value $$ of total payments in last month $250 Percent of payments vs. balances 4%
  23. 23. 23©2014 Experian Information Solutions, Inc. All rights reserved. Experian Public.  Historical scores calculated using trade line trended data that is displayable and disputable  Eighteen historical monthly scores scaled to a traditional risk model  Four Indices showing stability over time Risk Stability IndexSM Using trended data that is displayable on a current consumer credit report, Experian has created a Risk Stability Index 800 700 600 500 Jan Feb Mar Apr DecMay Jun Jul Aug Sep Oct Nov Mary Stable Bob Possible stress Sue Improving Three people. One score. Three different ways they got there.
  24. 24. 24©2014 Experian Information Solutions, Inc. All rights reserved. Experian Public.  Historical risk score changes can differentiate current risk  Use for targeting, segmenting, and decisioning Risk stability index Current Vantage Score® Overall Very stable Stable Moderately stable Unstable Severely unstable Bad rate Bad rate Bad rate Bad rate Bad rate Bad rate 600 – 700 9.67% 6.20% 7.88% 10.07% 11.00% 12.58% Index identifies less risky consumers based on stability of credit score over time Standard deviation over 18 months
  25. 25. 25©2014 Experian Information Solutions, Inc. All rights reserved. Experian Public. How can I acquire profitable consumers? Trended capabilities Client issue 4
  26. 26. 26©2014 Experian Information Solutions, Inc. All rights reserved. Experian Public.  Experian TAPSSM is a spend algorithm built from credit data  Experian TAPSSM uses longitudinal credit data to proxy the last 12 months of spend on credit and charge cards  It calculates spend, separately, on each trade line, then aggregates those trade lines to provide a snapshot of an individual's annual spend Experian TAPSSM Product overview Experian TAPSSM captures >90% of all credit card spend VISA MasterCard American Express Discover Trade lines “General purpose type credit cards” *Source: Nilson December 2011 Purchase Volume* 2012 (Bil) Share Creditcardtypes Visa $809.3 39% Master Card $479.3 23% Amex $476.3 23% Discover $107.2 5% Store $127.9 6% Oil $47.0 2% Other $5.2 <1% Total $2,052.2 100.0% $1,000 $0 $8,000 $100 $12,000 $0 $3,000 Annual spend $24,100 Annual spend on each card $0 =
  27. 27. 27©2014 Experian Information Solutions, Inc. All rights reserved. Experian Public. Experian TAPSSM accurately captures spend - 5,000 10,000 15,000 20,000 25,000 30,000 35,000 40,000 45,000 1 2 3 4 5 6 7 8 9 10 Averagespendin$ Predicted spend decile Experian TAPSSM algorithm performance (validation sample) Predicted Spend Actual Spend Balance The Experian TAPSSM algorithm discriminates spend, accurately and independent of balances, with R2 of 0.75-0.85
  28. 28. 28©2014 Experian Information Solutions, Inc. All rights reserved. Experian Public.  Experian has developed more than 300 trended attributes, but clients often want to aggregate the “raw” data in other ways  Experian can export an archive of trade level trended data for clients to: ► Derive / create specs of new attributes for Experian to code and deliver in batch or on line environments ► Utilize the raw trended data as an input source for a model  More than half of the largest U.S. banks have developed and implemented their own trended attributes to better understand consumer behavior Trended SolutionsSM Custom attributes
  29. 29. 29©2014 Experian Information Solutions, Inc. All rights reserved. Experian Public. Similar to regular credit attributes that describe:  A quality  Or feature  Or characteristic inherent in a credit report Revenue proxies are elements that can be calculated to extend a credit report  They can be inferred or derived but are created specifically to proxy elements that drive income: ► Annual spend ► Revolving balance ► Yield ► Effective APR ► From which interchange and interest income can be calculated – revenue What are revenue proxies?
  30. 30. 30©2014 Experian Information Solutions, Inc. All rights reserved. Experian Public. Profit suite – revenue proxies Experian TAPSSM and EIRC for RevolvingSM Experian TAPSSM is a special algorithm that uses longitudinal credit data to proxy the last 12 months of spend on credit and charge cards  Key fields used: ► Total annual plastic spend ► Wallet share ► Payment rate  Over 60 validations ► R2 exceeds 0.80 Experian TAPSSM Total annual plastic spend EIRC for RevolvingSM is a yield algorithm that uses longitudinal credit data to proxy the last six months of interest on credit cards  Key fields used: ► Average effective APR (%) ► Average interest ($) ► Average daily balance ► Average revolving balance  Over 60 validations ► R2 exceeds 0.90 EIRC for RevolvingSM Estimated interest rate calculator for revolving trends
  31. 31. 31©2014 Experian Information Solutions, Inc. All rights reserved. Experian Public.  Until now card issuers have had limited, actionable insight into how their customers or prospects have used their competitor’s cards How much do they spend? How much interest do they pay, at what rate?  This detail is now available, providing segmentation that quickly reveals prospects who have the potential to deliver meaningful profitability U.S. credit card revenue segments Interchange and interest / fee revenue 2012 <$75 Low $75 – $500 Medium >$500 High <$5,000 Low 830 807 784 $883 $2,255 $2,519 $4 $238 $1,421 $5,000 – $20,000 Medium 875 857 810 $11,159 $10,946 $10,823 $10 $234 $1,962 >$20,000 High 894 885 848 $51,158 $49,979 $61,180 $9 $246 $2,216 Interest paid on all cards Cardspend Segment average VantageScore® Experian TAPSSM Interest paid
  32. 32. 32©2014 Experian Information Solutions, Inc. All rights reserved. Experian Public.  Over 30% of U.S. cardholders produce a little interest or interchange revenue  Surprisingly, they receive almost as many prescreen offers as other prospects Revenue segment distribution 2012 <$75 Low $75 – $500 Medium >$500 High <$5,000 Low 32% 7% 6% $5,000 – $20,000 Medium 13% 8% 9% >$20,000 High 12% 6% 7% Interest paid on all cardsCardspend 32% of the U.S. population are generating limited revolving interest revenue or interchange revenue from spend U.S. population distribution VantageScore® >700
  33. 33. 33©2014 Experian Information Solutions, Inc. All rights reserved. Experian Public. Are you interested in a validation? What’s next? Road mapping… Coming soon EIRCSM versions Trended data in credit reporting TAPSSM and EIRC RevolvingSM attributes
  34. 34. 34©2014 Experian Information Solutions, Inc. All rights reserved. Experian Public. …with the power of trended solutions! Understanding consumers’ past behavior is crucial to understanding credit preferences and potential risks and for developing a strategy for the future Enhance the profitability of your portfolio…
  35. 35. 35©2014 Experian Information Solutions, Inc. All rights reserved. Experian Public. For additional information, please contact: Bryan.Collins@experian.com Brodie.Oldham@experian.com Hear the latest from Vision 2014 in the Daily Roundup: www.experian.com/vision/blog @ExperianVision | #vision2014 Follow us on Twitter
  36. 36. 36©2014 Experian Information Solutions, Inc. All rights reserved. Experian Public. Visit the Experian Expert Bar to learn more about the topics and products covered in this presentation.
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