Product
CreditVision
Analyse and predict consumer credit behaviours with improved accuracy
CreditVision® enables more precise lending decisions
CreditVision is a suite of solutions that gives you deeper and broader consumer insights. It helps you target appropriate customers and prospects more accurately, make better lending decisions and manage your portfolio risk more effectively. Drawn from enriched data, and through credit performance trends and behaviours, and analytics, CreditVision insights give you a comprehensive view of consumer performance for improved decisions in marketing, risk and collections. And that creates value across the full consumer lifecycle.
Product Highlights
Applications
The CreditVision suite of solutions offers a number of applications to better predict performance, improve strategies and enhance risk management.
CreditVision Premium Algorithms: understanding the complete view of consumer behaviour requires that you dig deeper. Aligned with lender strategies, TransUnion® conducted an intensive analysis of thousands of attributes in our historical account data and uncovered algorithm categories that yield highly predictive behaviours, to help you make more precise lending decisions. Payment, balance magnitude, wallet share, and spend are just a few of the algorithms developed that provide this invaluable insight.
CreditVision Risk Score: there is constant pressure for risk managers to keep losses low and approval rates high. By incorporating how a consumer has altered their credit usage and payment over time, CreditVision time series data drives a more accurate risk score. The CreditVision Risk Score is the industry standard for credit risk management and risk decisioning. It is widely used by all leading lenders in Hong Kong to facilitate objective, fast and reliable credit decisioning.
CreditVision Debt Capacity Score is used to find the approximate monthly or annual income of a consumer, the CreditVision Debt Capacity Score is a powerful and accurate predictor of consumer credit limits.
CreditVision Alert Services help lenders Better manage risk through timely and targeted monitoring of consumer credit behaviour. CreditVision Performance Alerts (CVPA) and Daily Alerts (CVDA) provide an up-to-date view of changing customer behaviour using our CreditVision Premium Algorithms to help lenders proactively identify those who present the highest risk.
Accelerate smarter decision-making with TransUnion Sandbox — Powered by CreditVision
Make faster, smarter credit decisions with deeper portfolio insight — in a secure, analytics-rich environment built with enhanced attributes and datasets.
Explore new customer segments, develop and test risk strategies, and validate scorecards through a flexible, self-service platform.
By combining your internal data with TransUnion’s industry-leading credit intelligence, Sandbox helps you discover new, actionable credit insights — supporting sharper segmentation and more confident decision-making, while mitigating risks more effectively.
Together, let’s create more value with your existing data.
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