Credit Scoring

Credit Scoring

A credit score is a numerical snapshot of a consumer's credit report at a particular time. This credit score is generated by a mathematical formula utilizing TransUnion
Credit scoring helps you evaluate risk and make better decisions
credit data.  Credit scoring represents the probability of an event happening in the future, but does not indicate that an event will necessarily happen.

Credit scoring can help you better understand the financial health of consumers and make more informed decisions. It can help reduce the inefficiencies associated with manual subjectivity, errors and limited information. Credit scoring can also help reduce exposure, satisfy regulatory requirements and increase the profitability of your portfolio.

Bureau Score

Now available in Honduras, TransUnion Score Predictivo enables credit providers to predict the likelihood of a consumer becoming more than 90 days delinquent on one or more lines of credit over the next 12 months. This includes credit cards and personal, home and auto loans.

Score Predictivo was developed using advanced modeling and analytics by an experienced global team of TransUnion analysts. Tested, validated and fine-tuned through work with local leading financial institutions, TransUnion Score Predictivo is helping automate processes and facilitating faster, sounder decisions.

Portfolio Reviews

Portfolio reviews give you insight into how risk is distributed within a portfolio, and how that distribution of risk may change over time. Basically, a portfolio review involves obtaining credit data on each customer in your portfolio. This allows you to evaluate the risk presented by each customer in the portfolio at that point in time—and therefore the true underlying risk dynamics of a portfolio.

This can help you better manage risk, improve your return on investment and develop your product portfolio to meet more of your customers’ needs.

You may find portfolio reviews a valuable tool in:

  • Customer account management, by enabling you to make timely and sound decisions on credit limits, interest rates and payment terms.
  • Portfolio management and being aware of changes in your portfolio’s risk level.
  • Portfolio valuation, or assessing the performance and value of existing portfolios. Make better purchase decisions and reduce losses.

Custom Modeling

Our risk models make it easier to make sound, confident, consistent approve or decline decisions. Use models to minimize risk exposure while making the most of your opportunities.

Businesses like yours use models to help increase revenue and reduce delinquencies and losses, identify more profitable accounts and make more informed decisions throughout the customer lifecycle.

Overview brochure on our solutions (in Spanish)
Learn how we can help you address the unique needs of your business
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