TransUnion this week unveiled a new portfolio management tool for issuers trying to better plan for future cardholder defaults. The Payment Behavior Score promotes the ability to analyze “every stage of the customer lifecycle, predicts payment behavior, designs programs and offers specific to segmented consumers and their affordability risk levels.”

“TransUnion’s Payment [Behavior] Score will help businesses with segmentation strategies and modeling to improve efficiency and increase return on their customer portfolio,” says Lawrence Tsong, TransUnion's managing director.

The score can work in conjunction with TU’s “Credit Management Score” model that predicts a cardholder or applicant’s likelihood to commit a 90-day default in the coming year.

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