What if you could identify a consumer’s Style of credit behavior?
As a result of today’s economic climate, consumer’s credit and debt behaviors are changing…in some cases dramatically.
Financial institutions are much more conservative in issuing loans and many are changing the terms and conditions of existing accounts.
The housing market continues to "slump," and mortgage companies are focused on foreclosure prevention opportunities.
Consumer spending is down across many categories, including travel, entertainment, household durables and general merchandise.
Households are adopting new decision criteria to determine their new style of credit behavior, greatly impacting purchasing and investment activities.
What’s the Benefit to Your Business?
Improve acquisition, retention and cross-sell efforts
Understand group credit behaviors at block level
Target based on credit behavior, without the obligation to make a firm offer of credit
Improve segmentation accuracy with true household level data aggregation
| Question | Category | Example Attributes | Potential Users |
| Can this consumer afford to buy my product? |
Capacity to Pay |
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| Is this consumer financially strapped? |
Financial Stress |
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| How active is this consumer in shopping for and opening new credit lines? |
Financial Activity |
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| How does this consumer use credit? |
Credit Behavior |
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| How do we measure these consumers across all detailed credit attributes? |
Detailed Credit Attribute |
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