Make more precise decisions
by starting with broader information
Move ahead of your competitors and make better credit decisions
with the CreditVision® Account Management Score—the first
score of its kind designed with the enriched consumer credit data
elements of CreditVision.
Better predict consumer performance
Comparison of risk score K-S values—all trades*
The more insight you have into consumers,
the better equipped you’ll be to make the
right decisions for your institutions. This score
leverages new insights available through
CreditVision data, including payment ratios,
directional changes in balances, and shifts in
utilization levels—data that’s not incorporated
into traditional risk models. As a result, you’ll have
a risk score that’s better at predicting future
consumer performance than traditional scores.
60
TRS
50
40
CreditVision
+45%
30
+37%
+28%
20
+74%
10
0
Subprime
Near Prime
Prime
Super Prime
Comparison of risk score K-S values—bankcards*
CreditVision Account Management Score
outperforms other scores
60
Right: K-S comparison of CreditVision Account
Management Score versus traditional risk score (TRS).
40
50
TRS
+48%
CreditVision
+43%
30
+33%
20
*Risk tier is defined independently of the two scores being evaluated: Risk-tier filter defined
by VantageScore 3.0.
+71%
10
0
Subprime
Near Prime
Prime
Super Prime
*Risk tier is defined independently of the two scores being
Benefit from the power of CreditVision enriched data elements
to gain new insights on consumers
Inputs into the score include three factors unique to CreditVision,
which consider the direction of a consumer’s credit performance
and critical dimensions of account behavior:
1. 30 months of account history data for each tradeline on key data fields
• Are balances going up or down over time?
• Is utilization on revolving accounts increasing or decreasing?
2. Actual payment amount as reported for each tradeline
• Are revolving accounts paid in full or is there balance carried over?
• Is a consumer typically paying more than minimum amounts and
by how much?
3. Extended account-level payment patterns—up to 82 months
• How have balances on existing accounts been managed?
• How many accounts have been delinquent and how severely?
Additional details
→→ “Bad” outcome defined as
default or 90+ DPD in 12
months after origination
→→ Familiar score range of
300-850
Delivery options:
Online:
→→ Standard and Enriched
Credit Reports
→→ Model Report
→→ Collections Prioritization
Engine
→→ TransUnion Direct
Batch:
→→ Portfolio reviews
→→ Retrospective analyses
→→ Integration into custom
models
CreditVision Account
Management Score is easily
implemented with no changes
needed to existing systems
and processes.
LEARN MORE
Learn how you can make
more precise decisions
with CreditVision Risk
Scores. Contact your
TransUnion representative,
call 844-245-4071 or visit
creditvision.transunion.com.
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