Consumer
credit reports offer a rich source of information for
account underwriting and on-going management. Because
of the complexity and non-standard nature of these data,
consumer and small business lenders face many challenges
fully exploiting them.
PMA offers valuable credit bureau analytic support.
Our proprietary software and our significant expertise
processing and analyzing data from each of the three
major credit repositories allow our clients to squeeze
more information from the raw data. From each credit
bureau file, our proprietary software creates thousands
of attributes that capture all aspects of an individual's
credit behavior. Moreover, our tightly controlled process
ensures that all attributes we craft are defined and
created consistently across all three bureaus.
Among our credit bureau related services are:
- Developing credit bureau preference tables that
identify the geographic regions in which each
bureau provides the most cost effective decision.
- Defining and aligning attributes for new and
existing product underwriting.
- Creating and validating scoring and consumer/small
business segmentation systems.
- Developing credit line assignment and management
strategies.
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