Sold by: Equifax
Deployed on AWS
A sample of anonymized US consumer trade data that can be used for trending, market analysis, benchmarking and research.
Overview
The Credit Trends Free Dataset is a sample of 100 rows that represents the full dataset in terms of data types, organization, and fields. Please note that this is not real production data, subscribe to the Credit Trends full version to get 100% production data.
Credit Trends is an anonymized data set sourced from the Equifax consumer credit database. It highlights consumer loan trades reported to Equifax by banks, credit unions, and other finance companies. Leverage this data to understand changes to accounts and balances as well as delinquency trends, consumer utilization and write off rates for a sector.
The data sets can be priced and shared as individual elements, for those that only want a subset, or a complete Credit Trends file.
These subsets of the anonymized trade/account data can be purchased:
- Consumer Installment and Revolving loans
- Mortgage loans
- Auto loans
- Student loans
Fields Included:
- Origination date & origination vintage
- Origination balance
- Origination & current risk score
- Number and dollars of trades 30, 60, 90, 120, closed, bankruptcy, etc.
- Scheduled payment amount
- High credit
The Credit Trends file layout can be accessed here .
Use Cases:
Economic Impact Analysis
Understand and identify leading indicators of economic health
Quantitative Analysis
Directly measure market trends and identify inflection points
Create inputs for cash flow models, risk and valuations
Risk Analysis
Establish custom delinquency and default metrics/baselines
Track performance by lending category, risk score, vintage, geography
Audience Segmentation
Overlay consumer demographics such as age and income to better understand consumer credit behavior by segment
Disclaimer: The information in the sample data set is fictitious, should be treated as such, and should be used only for testing purposes. Information in the data set does not represent any known business or consumer.
Details
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Features and programs
Financing for AWS Marketplace purchases
AWS Marketplace now accepts line of credit payments through the PNC Vendor Finance program. This program is available to select AWS customers in the US, excluding NV, NC, ND, TN, & VT.
Pricing
This product is available free of charge. Free subscriptions have no end date and may be canceled any time.
Additional AWS infrastructure costs may apply. Use the AWS Pricing Calculator to estimate your infrastructure costs.
Vendor refund policy
Refunds are not offered for this product.
Legal
Vendor terms and conditions
Upon subscribing to this product, you must acknowledge and agree to the terms and conditions outlined in the vendor's End User License Agreement (EULA) .
Content disclaimer
Vendors are responsible for their product descriptions and other product content. AWS does not warrant that vendors' product descriptions or other product content are accurate, complete, reliable, current, or error-free.
Delivery details
AWS Data Exchange (ADX)
AWS Data Exchange is a service that helps AWS easily share and manage data entitlements from other organizations at scale.
Additional details
You will receive access to the following data sets.
Data set name | Type | Historical revisions | Future revisions | Sensitive information | Data dictionaries | Data samples |
|---|---|---|---|---|---|---|
Consumer Credit Trends (Free Sample) | All historical revisions | All future revisions | Not included | Not included |
Resources
Vendor resources
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