Gain deeper insights into consumer behavior

While traditional credit attributes provide valuable information on a consumer at a given point in time, Trended 3D™ attributes analyze a consumer’s behavior over time. With more than 2,000 attributes across dozens of industries, Trended 3D attributes unlock insight into consumer credit patterns that help you better manage portfolio risk and determine next best actions.

Key concepts include:

  • Balance activities and changes
  • Utilization and credit limit variances
  • Payment activities
  • Wallet share
  • Collection activities 

Enhance your decisioning across the customer lifecycle

Reveal patterns

Get a more accurate view of consumer behavior by measuring the rate of change over time.

Improve customer experience

Increase customer loyalty by applying the best treatment at the right time based on each individual’s specific needs.

Build better models

Improve predictive performance of custom models by understanding the trajectory of a consumer’s spending and payment patterns.

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Key benefits

  • Reduce risk in your portfolio by identifying consumers with early-warning indicators.  
  • Understand credit line usage for improved offer refinement.  
  • Identify a prospect’s propensity to transfer balances and consolidate loans. 
  • Enhance segmentation strategies and fine-tune decisions for consumers who fall near your score cutoffs.   
  • Ensure compliance while proactively managing credit lines. 
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Enhanced trended attributes: velocity and stability

Introducing 36 new attributes designed to detect early signs of accelerating risk by measuring the rate and stability of behavioral change over time.

Velocity and stability attributes can help you:

  • Identify how consistently debt is paid down over time.
  • Detect rapid balance accumulation or reduction. 
  • Surface erratic or unpredictable credit behavior.
  • Evaluate the stability of payment history trends.
  • Pinpoint early trajectory shifts before traditional risk indicators emerge.
Learn more

Resources

Experian credit attributes
White paper

Experian credit attributes

Learn about our development principles and methodology.

Ready to unlock the power of trended data?

To learn more about our solutions, please fill out the form below.

We are unable to address personal credit report and/or membership inquiries via this business form. Visit Experian.com/help or call 888-397-3742 for consumer assistance. For help with your business credit report, please visit Experian.com/small-business. 

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