Credit
Trends: (Keyword: HBIS)
This product provides more
in-depth consumer credit information to help creditors make more informed
risk
management decisions.
Credit Trends provides a history of a consumer's account balances and utilization
trends
for up to 24 months.
The information is summarized at the profile level into 5 account type
categories, each with
pre-calculated variables
and trade line counters for quick and easy evaluation:
Total Revolving Credit accounts:
(total outstanding
bal., ave. bal. per account, # bank cards, # retail cards, # cards with
greater than zero bal.)
Total bank card accounts:
(total outstanding
bal., ave. bal. per account, # bank cards, # cards with greater than zero
bal.)
Total Retail card accounts:
(total outstanding
bal., ave. bal. per account, # retail cards, # cards with greater then
zero bal.)
Total Installment Loan accounts:
(total outstanding bal.,
ave. bal. per account)
Total R/E Loan accounts:
(total outstanding bal.,
Ave. bal. per account)
Credit Trends .pdf file