Income Analysis Suite
Predictive Income Intelligence at its finest. Get income intelligence appended to your client's TransUnion or Equifax credit reports with our Income Analysis Suite:
- Income Estimator
- Debt-to-Income Estimator
Better predict a consumer’s ability to pay
Modeled after Adjusted Gross Income as reported on the Form 1040
This enhanced solution is built on the enriched data and analytics of TransUnion CreditVision®, featuring monthly spend data and up to 30 months of extended account history. The model was validated using verified Adjusted Gross Income as reported on the Form 1040 U.S. Individual Income Tax Return (whether filed jointly or separately). The result? A much more accurate view of a consumer’s total income.
Improve marketing segmentation and understand potential risk at every stage of the customer lifecycle—
from acquisition to account management to collections— with our highly advanced income estimator tool.
Debt-to-Income Estimator
Want a quick glance at your prospect's current debt-to-income ratio?
The Debt-to-Income estimator uses the Income Estimator output and compares it to the total monthly debts displayed on the TransUnion credit report and outputs a highly predictive DTI.
Side By Side Look
How the Income and Debt-to-Income Estimators work together
Income Estimator
Uses individual-level CreditVision data and estimates the Adjusted Gross Income as reported on the Form 1040 U.S. Income Tax Return (whether filing jointly or individually).
Model Design: Segmentation scheme consisting of five scorecards based on: credit lines, length of experience, historical credit card balances, and recent credit card revolving/transacting behavior. Contains predictive elements for different income ranges.
Debt-to-Income Estimator
Aggregates current debt on the credit file and compares it to monthly estimated income to generate a debt-to-income ratio.
Model Design. Uses Income Estimator results to calculate monthly income. Sums total monthly minimum debt payments using credit file data including mortgage, installment and revolving accounts; also includes authorized user debt
Change the way you think about your customer acquisition journey.
Instant Credit Reports
Identity Risk Evaluation
Accurate FICO Scores
Debt to Income Analysis
Predictive Income
Artificial Intelligence
