Why Choose Payment Dimensions Plus?

The best predictor of future behaviour is past behaviour. Payment Dimensions Plus™ from Equifax goes beyond the ‘snapshot’ approach of a credit report to provide a more granular and robust understanding of consumer behaviour patterns over time.
Minimize Portfolio Risk
Spot subtle shifts in payment habits before default with early warning indicators.
Build Loyalty and Retention
Target creditworthy prospects using granular 12-to-24-month payment trends.
Make More Precise Lending Decisions
Analyze comprehensive cross-industry trade line data.
Improve Marketing ROI
Reach out to consumers when they are most responsive to offers.

Turn Consumer Credit Insights Into Strategic Advantage

Using the power of trended data analytics, Payment Dimensions Plus provides a more granular picture of a consumer’s credit behaviour over a historical period of time, from three months up to 24 months. 

See if they are transactors who pay their credit card accounts in full or in large part every month, or revolvers who pay only the minimum amount due, and if they are trending up or trending down in payments and balances, the frequency of payments and spending and their approach to managing credit over time.

See Beyond the Score to Drive Smarter Credit Decisions

Payment Dimensions Plus with Precision Insights™ tells a story about a consumer’s credit behaviour which you can use to predict future credit and spend behaviour to open new doors when it comes to evaluating risk or marketing credit products. 

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Minimize Portfolio Risk

Help protect your bottom line at every stage of the customer lifecycle.

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