Attributes
Reach new levels of predictive power.
Enhance accuracy of your risk models using transaction data.
Predict default rates in seconds.
Predict default rates in seconds.
Income
Consistent
29
Flexible
57
Unemployment
2
Impact
Ability to repay
Cashflow
Impact
Ability to repay
Balances
Impact
Financial buffers
Loan
activity
Traditional
367
Alternative
254
Total
60
Impact
Financial savviness
& attitudes
Financial
activity
Insurance
60
Investing
75
Loan spending
29
MoneyTransfer
148
Fees
332
Taxes
5
Debt resolution
60
Other
108
Impact
Willingness to repay
User
profile
History
1
Holdings
2
Transactions
9
Geography
20
Impact
Identity
Household
expenditure
Food
23
Warehouse
18
Telecom
120
Utilities
60
Ecommerce
18
Donations
18
Entertainment
76
Impact
Ability to repay
data set
AI insights at scale.
Trained on over 20 million transactions covering a variety of consumer segments for a range of different risk outcomes.
See Truv
k-score
Unparalleled predictive power.
Understand your subprime, new-to-credit & under-served segments better.
See Truv
Quality
Fair Lending.
FCRA & ECOA compliant attributes which alleviate issue of disparate lending.
See Truv All-in-one platform for verifications.
All-in-one platform for verifications.
Scoring attributes FAQs.
Scoring attributes FAQs.
Consumer lenders and auto lenders.
Truv provides 2,200+ transaction-based attributes to enhance lenders’ risk models, offering insights into financial activity, repayment willingness, and loan qualification potential.
By analyzing over tens of millions transactions across consumer segments, Truv helps lenders predict default rates, reach underserved markets, and identify qualified applicants with low or no credit scores.
The platform includes a range of attributes, including: financial activity attributes, loan activity attributes, household expenditure attributes, balance attributes, and income-related attributes.
Truv eliminates manual data interpretation, provides comprehensive transaction insights, and offers FCRA-compliant attributes trained across diverse consumer segments.
Todd Rice
Founder & CEO at New Credit America