CreditVision Link Risk Scores
The first risk scores to combine trended credit data
with alternative data intelligence
Acquire more consumers without increasing your risk profile
When faced with highly competitive markets, discerning consumers and increased regulatory
requirements, savvy lenders are adopting comprehensive alternative risk scores to confidently grow
their portfolios. Now, using our extensive modeling expertise, we bring you CreditVision® LinkSM Risk
Scores. These first-in-market scores provide the precision and predictive intelligence needed to help
you make smarter decisions.
With an innovative approach to using traditional and alternative data, TransUnion is able to create a
clearer picture of how consumers manage their credit, both good and bad. That clarity yields a more
precise score, giving you greater control and confidence to grow.
Score with greater precision
Acquire more accounts while mitigating risk with clearer insights
into consumers' risk profiles—even those with established thick credit
files. Identify high-risk and high-opportunity consumers, and make
better-informed decisions about consumers near score cutoffs.
Score more consumers
Use intelligence derived from trended credit performance and alternative
financial commitments to score more than 60 million consumers that
were traditionally unscorable. Often these consumers, either by choice
or circumstance, operate outside of traditional credit but have financial
transactions worthy of consideration for risk underwriting.
CreditVision Link Risk Scores are the only scores in market that combine both directional trended
data and alternative data.
Directional trended data
Alternative data
TransUnion trended data incorporates
up to 30 months of account history, including:
TransUnion alternative data consists of more than
3 billion data records collected on more than
260 million U.S. consumers, including:
• Payment history, such as dollars paid, timing and
amount paid vs. minimum due
• Property tax and deed records
• Total amount borrowed over time
• Checking and debit account history
• Total amount owed over time
• Payday lending
Customer tests have shown as much as a 20% lift
in model performance by using trended data that
shows how a consumer got to where they are today.
• Address stability
• Club and subscription activity
Alternative data is proven to accurately score more
than 90% of applicants returned as no-hit or thin-file
by traditional credit models.
Trended data and alternative data enhance a point-in-time
decision for more precise scoring of future risk
All three consumers considered
“prime” with a score of 730
Aggregate balance
Consumer A: “Paying Down”
CreditVision Link
Risk Scores
780
Consumer B: “Steady User”
720
680
Checking data
Payday data
Consumer C: “Balance Builder”
-24 -20 -16 -12 -8 -4 Today +4
Number of months to current month
Scores to fit your needs
Different risk strategies are best served with different types of insights. We can help you find the
right score­­—leveraging the right information­—to meet your business objectives and budget.
Credit scores
Alternative scores
CreditVision Link
Risk Scores
• Features single point of adverse action
• Uses TransUnion’s existing bureau connectivity
• Available as a standalone or add-on to a credit report
Learn more
Contact your representative or call 844-245-4071 to get upgraded to CreditVision Link Risk Scores.
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