tHE tRUdECISION ATTRIBUTE ENGINE
Better predictive models driving automation
TruDec AE provides lenders with a powerful suite of thousands of customizable attributes to drive more powerful models, allowing the lender to automate their credit policy. The engine also allows the lender to create hybrid attributes out of loan structure, application, demographic, vehicle, credit bureau and alternative data sources.
Key Benefits Include:
- Integration of dealer rankings
- Customizable credit tier constructs related to dealer, vehicle, program channel and other key factors
- Includes hot-spot attributes, isolating both extremely high and low quality applicants in terms of credit risk
- Powerful early warning indicators, using generative AI to inform lenders how their through the door credit quality is changing. In addition, TruDecision creates early warning market indices based on over 400 data sources related to the economy, competitive pressure, industry factors, vehicle values and capital market activity. These indicators have shown to provide up to 18 months of advance notice on shifts in credit performance.
- Based on LOS integration, clients have access to a redeveloped advanced credit bureau format using trended data - designed the way underwriters work a contract
- Helps lenders drive efficiency as they scale
TruDecision's Advanced Trended Credit Report
Designed for Underwriters
Information grouped the way an experienced buyer's underwriting process flows. Trades grouped by type, compliance information in one place, matching application job and residence to bureau information
Credit Summaries
Get an instant snapshot of aggregate credit performance and outstanding obligations, including a spotlight into auto credit activity. May be customized by industry.
Credit Trajectory
See graphic trends related to how the consumer is ramping up credit, and the patterns of delinquency over time.
