Trended Data for consumer financial insight and segmentation


Combine credit score and alternative data for a complete view of your customer.

A credit score is an effective way to view a snapshot of a consumer’s financial behaviour. But how did they get there? Is their score improving or has their payment behaviour changed recently? To really get a sense of your customer’s financial history and predict their future payment behaviour you need more information, covering more time and from more sources. That’s where we can help.

Through the capabilities of Trended Data, we’re able to give you the rich information you need to gain valuable insight into your customers and make informed and fair decisions, even with your thin file consumers.

 

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How can Trended Data help you?

 

Differentiate your customers

By combining our credit bureau data with alternative non-credit data (such as rental, council tax, property and utility payments) we can help you dig deeper than the credit score to better understand each individual customer, their payment trends and their suitability for your products.

 

Enhance your customer experience

Make quicker decisions based on a fuller picture of your customers to offer them the best product for their needs.

 

Offer more inclusive lending

Applying trended alternative data alongside snapshot credit scores is the key to making fair credit decisions for customers with thin files and ‘credit invisibles’.

Contact one of our team to find out how we can help you.

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Related links:

 

Experian One for Customer Acquisition

Intelligent automated credit decisions.

 

 

Experian Affordability Check

Assess your customers' income and affordability.

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