Daniel Valley is a Member Experience Manager
 at Lake Trust Credit Union in Michigan, USA. This is his Finalist presentation that he gave at the Live Pitch Show as part of the 2021 CUES Emerge competition.

1. Daniel
Valley
Member Experience Manager
Lake Trust Credit Union
Michigan

3. What Impacts Credit?
Highbalances Credit Line Use Credit History

4. This Photo by Unknown Author is licensed under CC BY-NC
Credit Constrained
45 M 1.29 M

5. Financial
Inclusion
Improved
Loyalty
Increase
Approvals
Reduce
Expenses
Alternative
& Trended
Credit
Data

6. THE FULL PICTURE
Credit Line
Use Declining
Actual Amount
Paid
Utility
Payments and
Rent

7. Item Cost
Traditional credit report $1.25
Alternative and trended credit data .50
Combined cost $1.75
Yearly cost $5,000
COST

8. Timeline Stages
Assemble
Months 1 - 3
Decision
Months 4 - 8
Launch
Month 13
Preparation
Months 8 - 12

9. Financial Return

10. Risks
Technology
Delinquency/
charge off
Legal/
Compliance
Executive/
Board Support