TransUnion — Alternative Data Credit Model

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Sample Data

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Sheet Model Performance · showing 16 rows.

TransUnion — Rent Payment Data as Alternative Credit Signal
Model Performance Summary \| Bureau-Only (Baseline) vs. Bureau + Rent Data (Enhanced)

Metric	Baseline (Bureau Only)	Enhanced (Bureau + Rent)	Improvement	% Change	Business Interpretation
AUC Score	0.72	0.79	+0.07	+9.7%	Model correctly ranks borrowers 7% more often
KS Statistic	40	49	+9 pts	+22.5%	Risk separation improved by 22.5%
True Positive Rate @ 20% FPR	52%	61%	+9 pts	+17.3%	9% more bad borrowers caught at same approval rate
Thin-File Coverage	56%	74%	+18 pts	+32.1%	74% of credit-invisible consumers now scoreable
Population Scoreable	75%	93.5%	+18.5 pts	+24.7%	18.5M new consumers enter the credit market
Default Rate (model top decile)	2.1%	1.4%	-0.7 pts	-33.3%	Top tier applicants 33% less likely to default
Default Rate (model bottom decile)	24.8%	28.3%	+3.5 pts	+14.1%	Riskiest segment identified more precisely
Gini Coefficient	0.44	0.58	+0.14	+31.8%	Overall discriminatory power up 32%


Model	AUC Score
Baseline	0.72
Enhanced	0.79

Sheet ROC Curve Data · showing 18 rows.

ROC Curve — False Positive Rate vs. True Positive Rate

Score Threshold	FPR — Baseline (Bureau Only)	TPR — Baseline (Bureau Only)	FPR — Enhanced (Bureau + Rent)	TPR — Enhanced (Bureau + Rent)
1	0	0	0	0
2	0.05	0.22	0.05	0.3
3	0.1	0.35	0.1	0.44
4	0.15	0.44	0.15	0.54
5	0.2	0.52	0.2	0.61
6	0.25	0.58	0.25	0.67
7	0.3	0.63	0.3	0.72
8	0.35	0.68	0.35	0.76
9	0.4	0.72	0.4	0.8
10	0.45	0.76	0.45	0.84
11	0.5	0.79	0.5	0.86
12	0.6	0.84	0.6	0.9
13	0.7	0.89	0.7	0.93
14	0.8	0.93	0.8	0.96
15	0.9	0.97	0.9	0.98
16	1	1	1	1

Sheet KS Distribution · showing 13 rows.

KS Statistic — Cumulative Distribution of Good vs. Bad Borrowers

Score Decile	Good Borrowers Cumulative %	Bad Borrowers Cumulative %	KS Gap (Bad − Good)
0	0	0	0
10	0.01	0.03	0.02
20	0.02	0.07	0.05
30	0.04	0.13	0.09
40	0.07	0.2	0.13
50	0.11	0.28	0.17
60	0.16	0.37	0.21
70	0.22	0.46	0.24
80	0.29	0.55	0.26
90	0.37	0.63	← Max KS = 26 pts
100	0.46	0.7	0.24

Sheet Applicant Portfolio (500 Record · showing 100 rows of many (truncated).

Applicant ID	Segment	Bureau Score	Rent Payment Score	Baseline Risk Score	Enhanced Risk Score	Thin File Flag	Actual Outcome	Baseline Decision	Enhanced Decision	Correct Baseline	Correct Enhanced	Model Improvement
APP-00001	Thin-File Prime	N/A	75	0.127	0.107	Yes	Paid	Approve	Approve	Correct	Correct	Same
APP-00002	Prime	746	91	0.064	0.028	No	Paid	Approve	Approve	Correct	Correct	Same
APP-00003	Near-Prime	624	55	0.089	0.089	No	Paid	Approve	Approve	Correct	Correct	Same
APP-00004	Thin-File Prime	N/A	92	0.078	0.041	Yes	Paid	Approve	Approve	Correct	Correct	Same
APP-00005	Near-Prime	648	69	0.139	0.125	No	Paid	Approve	Approve	Correct	Correct	Same
APP-00006	Prime	760	92	0.045	0.01	No	Paid	Approve	Approve	Correct	Correct	Same
APP-00007	Prime	806	73	0.026	0.01	No	Paid	Approve	Approve	Correct	Correct	Same
APP-00008	Thin-File Subprime	N/A	49	0.253	0.259	Yes	Default	Decline	Decline	Correct	Correct	Same
APP-00009	Near-Prime	635	67	0.088	0.076	No	Paid	Approve	Approve	Correct	Correct	Same
APP-00010	Thin-File Prime	N/A	86	0.112	0.081	Yes	Paid	Approve	Approve	Correct	Correct	Same
APP-00011	Prime	778	94	0.037	0.01	No	Paid	Approve	Approve	Correct	Correct	Same
APP-00012	Prime	745	82	0.037	0.01	No	Paid	Approve	Approve	Correct	Correct	Same
APP-00013	Near-Prime	667	66	0.101	0.09	No	Paid	Approve	Approve	Correct	Correct	Same
APP-00014	Subprime	582	24	0.344	0.375	No	Default	Decline	Decline	Correct	Correct	Same
APP-00015	Thin-File Prime	N/A	80	0.102	0.077	Yes	Paid	Approve	Approve	Correct	Correct	Same
APP-00016	Subprime	588	55	0.239	0.239	No	Paid	Decline	Decline	Incorrect	Incorrect	Same
APP-00017	Thin-File Subprime	N/A	31	0.246	0.27	Yes	Default	Decline	Decline	Correct	Correct	Same
APP-00018	Prime	788	72	0.033	0.016	No	Paid	Approve	Approve	Correct	Correct	Same
APP-00019	Subprime	540	33	0.357	0.379	No	Paid	Decline	Decline	Incorrect	Incorrect	Same
APP-00020	Subprime	558	29	0.252	0.278	No	Default	Decline	Decline	Correct	Correct	Same
APP-00021	Near-Prime	653	78	0.138	0.115	No	Paid	Approve	Approve	Correct	Correct	Same
APP-00022	Near-Prime	648	59	0.131	0.127	No	Default	Approve	Approve	Incorrect	Incorrect	Same
APP-00023	Prime	748	74	0.058	0.039	No	Paid	Approve	Approve	Correct	Correct	Same
APP-00024	Near-Prime	628	67	0.118	0.106	No	Paid	Approve	Approve	Correct	Correct	Same
APP-00025	Near-Prime	690	55	0.148	0.148	No	Default	Approve	Approve	Incorrect	Incorrect	Same
APP-00026	Subprime	596	37	0.388	0.406	No	Paid	Decline	Decline	Incorrect	Incorrect	Same
APP-00027	Prime	760	84	0.02	0.01	No	Paid	Approve	Approve	Correct	Correct	Same
APP-00028	Thin-File Prime	N/A	91	0.129	0.093	Yes	Paid	Approve	Approve	Correct	Correct	Same
APP-00029	Prime	796	90	0.05	0.015	No	Paid	Approve	Approve	Correct	Correct	Same
APP-00030	Near-Prime	640	72	0.175	0.158	No	Paid	Decline	Decline	Incorrect	Incorrect	Same
APP-00031	Subprime	576	40	0.312	0.327	No	Default	Decline	Decline	Correct	Correct	Same
APP-00032	Near-Prime	659	62	0.086	0.079	No	Paid	Approve	Approve	Correct	Correct	Same
APP-00033	Subprime	510	51	0.4	0.404	No	Paid	Decline	Decline	Incorrect	Incorrect	Same
APP-00034	Near-Prime	636	59	0.146	0.142	No	Paid	Approve	Approve	Correct	Correct	Same
APP-00035	Prime	828	76	0.076	0.055	No	Paid	Approve	Approve	Correct	Correct	Same
APP-00036	Thin-File Prime	N/A	84	0.096	0.067	Yes	Paid	Approve	Approve	Correct	Correct	Same
APP-00037	Near-Prime	686	69	0.092	0.078	No	Paid	Approve	Approve	Correct	Correct	Same
APP-00038	Prime	778	88	0.033	0.01	No	Paid	Approve	Approve	Correct	Correct	Same
APP-00039	Thin-File Prime	N/A	82	0.066	0.039	Yes	Default	Approve	Approve	Incorrect	Incorrect	Same
APP-00040	Prime	780	78	0.06	0.037	No	Paid	Approve	Approve	Correct	Correct	Same
APP-00041	Prime	841	77	0.067	0.045	No	Paid	Approve	Approve	Correct	Correct	Same
APP-00042	Prime	744	91	0.046	0.01	No	Paid	Approve	Approve	Correct	Correct	Same
APP-00043	Near-Prime	713	56	0.147	0.146	No	Paid	Approve	Approve	Correct	Correct	Same
APP-00044	Prime	823	93	0.04	0.01	No	Paid	Approve	Approve	Correct	Correct	Same
APP-00045	Prime	768	87	0.047	0.015	No	Paid	Approve	Approve	Correct	Correct	Same
APP-00046	Prime	783	72	0.047	0.03	No	Paid	Approve	Approve	Correct	Correct	Same
APP-00047	Near-Prime	626	75	0.18	0.16	No	Paid	Decline	Decline	Incorrect	Incorrect	Same
APP-00048	Subprime	618	35	0.225	0.245	No	Paid	Decline	Decline	Incorrect	Incorrect	Same
APP-00049	Prime	822	71	0.03	0.014	No	Default	Approve	Approve	Incorrect	Incorrect	Same
APP-00050	Near-Prime	678	64	0.122	0.113	No	Paid	Approve	Approve	Correct	Correct	Same
APP-00051	Subprime	571	51	0.222	0.226	No	Paid	Decline	Decline	Incorrect	Incorrect	Same
APP-00052	Subprime	574	54	0.196	0.197	No	Paid	Decline	Decline	Incorrect	Incorrect	Same
APP-00053	Prime	842	86	0.075	0.044	No	Paid	Approve	Approve	Correct	Correct	Same
APP-00054	Prime	850	72	0.071	0.054	No	Paid	Approve	Approve	Correct	Correct	Same
APP-00055	Prime	780	82	0.027	0.01	No	Paid	Approve	Approve	Correct	Correct	Same
APP-00056	Prime	730	89	0.025	0.01	No	Paid	Approve	Approve	Correct	Correct	Same
APP-00057	Near-Prime	660	63	0.1	0.092	No	Paid	Approve	Approve	Correct	Correct	Same
APP-00058	Prime	821	74	0.06	0.041	No	Paid	Approve	Approve	Correct	Correct	Same
APP-00059	Prime	738	70	0.047	0.032	No	Paid	Approve	Approve	Correct	Correct	Same
APP-00060	Subprime	509	54	0.238	0.239	No	Paid	Decline	Decline	Incorrect	Incorrect	Same
APP-00061	Subprime	612	24	0.417	0.448	No	Paid	Decline	Decline	Incorrect	Incorrect	Same
APP-00062	Prime	797	89	0.079	0.045	No	Paid	Approve	Approve	Correct	Correct	Same
APP-00063	Near-Prime	705	72	0.11	0.093	No	Paid	Approve	Approve	Correct	Correct	Same
APP-00064	Subprime	517	36	0.211	0.23	No	Default	Decline	Decline	Correct	Correct	Same
APP-00065	Near-Prime	654	64	0.14	0.131	No	Paid	Approve	Approve	Correct	Correct	Same
APP-00066	Prime	787	86	0.049	0.018	No	Paid	Approve	Approve	Correct	Correct	Same
APP-00067	Thin-File Subprime	N/A	32	0.327	0.35	Yes	Paid	Decline	Decline	Incorrect	Incorrect	Same
APP-00068	Prime	805	94	0.028	0.01	No	Paid	Approve	Approve	Correct	Correct	Same
APP-00069	Prime	833	87	0.062	0.03	No	Paid	Approve	Approve	Correct	Correct	Same
APP-00070	Prime	758	87	0.022	0.01	No	Paid	Approve	Approve	Correct	Correct	Same
APP-00071	Near-Prime	675	59	0.084	0.08	No	Paid	Approve	Approve	Correct	Correct	Same
APP-00072	Subprime	610	22	0.423	0.456	No	Default	Decline	Decline	Correct	Correct	Same
APP-00073	Prime	746	81	0.067	0.041	No	Paid	Approve	Approve	Correct	Correct	Same
APP-00074	Near-Prime	699	78	0.095	0.072	No	Paid	Approve	Approve	Correct	Correct	Same
APP-00075	Subprime	602	31	0.418	0.442	No	Default	Decline	Decline	Correct	Correct	Same
APP-00076	Thin-File Prime	N/A	85	0.13	0.1	Yes	Paid	Approve	Approve	Correct	Correct	Same
APP-00077	Thin-File Prime	N/A	82	0.084	0.057	Yes	Paid	Approve	Approve	Correct	Correct	Same
APP-00078	Prime	729	85	0.033	0.01	No	Paid	Approve	Approve	Correct	Correct	Same
APP-00079	Near-Prime	659	62	0.102	0.095	No	Paid	Approve	Approve	Correct	Correct	Same
APP-00080	Near-Prime	655	57	0.177	0.175	No	Paid	Decline	Decline	Incorrect	Incorrect	Same
APP-00081	Thin-File Prime	N/A	87	0.121	0.089	Yes	Paid	Approve	Approve	Correct	Correct	Same
APP-00082	Prime	727	73	0.073	0.055	No	Paid	Approve	Approve	Correct	Correct	Same
APP-00083	Near-Prime	653	56	0.091	0.09	No	Paid	Approve	Approve	Correct	Correct	Same
APP-00084	Thin-File Prime	N/A	85	0.099	0.069	Yes	Paid	Approve	Approve	Correct	Correct	Same
APP-00085	Prime	768	78	0.023	0.01	No	Paid	Approve	Approve	Correct	Correct	Same
APP-00086	Near-Prime	688	76	0.152	0.131	No	Paid	Decline	Approve	Incorrect	Correct	Better
APP-00087	Thin-File Prime	N/A	86	0.099	0.068	Yes	Paid	Approve	Approve	Correct	Correct	Same
APP-00088	Subprime	579	40	0.359	0.374	No	Default	Decline	Decline	Correct	Correct	Same
APP-00089	Subprime	564	39	0.36	0.376	No	Paid	Decline	Decline	Incorrect	Incorrect	Same
APP-00090	Thin-File Prime	N/A	92	0.071	0.034	Yes	Paid	Approve	Approve	Correct	Correct	Same
APP-00091	Subprime	586	31	0.346	0.37	No	Paid	Decline	Decline	Incorrect	Incorrect	Same
APP-00092	Near-Prime	620	64	0.109	0.1	No	Paid	Approve	Approve	Correct	Correct	Same
APP-00093	Near-Prime	703	65	0.126	0.116	No	Paid	Approve	Approve	Correct	Correct	Same
APP-00094	Prime	841	95	0.074	0.034	No	Paid	Approve	Approve	Correct	Correct	Same
APP-00095	Prime	741	79	0.051	0.027	No	Paid	Approve	Approve	Correct	Correct	Same
APP-00096	Prime	780	91	0.039	0.01	No	Paid	Approve	Approve	Correct	Correct	Same
APP-00097	Prime	731	77	0.079	0.057	No	Paid	Approve	Approve	Correct	Correct	Same
APP-00098	Thin-File Subprime	N/A	44	0.283	0.294	Yes	Paid	Decline	Decline	Incorrect	Incorrect	Same
APP-00099	Prime	818	85	0.044	0.014	No	Paid	Approve	Approve	Correct	Correct	Same
APP-00100	Thin-File Prime	N/A	78	0.13	0.107	Yes	Paid	Approve	Approve	Correct	Correct	Same

Sheet Business Impact · showing 12 rows.

Business Impact Calculator — Rent Payment Data Adoption

INPUT ASSUMPTIONS		PROJECTED RESULTS
Annual Loan Applications	500000	Metric	Value
Baseline Default Rate	0.08	Baseline Defaults	40000
Average Loss Per Default ($)	8000	Defaults (with Rent Data)	#VALUE!
AUC Lift from Rent Data	0.07	Defaults Avoided	#VALUE!
Thin-File Share of Portfolio	0.25	Gross Loss Reduction ($)	#VALUE!
% Thin-Files Newly Scoreable	0.74	Data Acquisition Cost ($)	1200000
Data Acquisition Cost (annual $)	1200000	Net Annual ROI ($)	#VALUE!
		ROI Multiple	#VALUE!
		New Scoreable Consumers	92500
		Default Rate Improvement	#VALUE!

Sheet Global Market Feasibility · showing 7 rows.

Global Market Prioritization — Rent Payment Alternative Data

Flag	Market	AUC Lift	Data Density	Regulatory Path	Predictive Strength (0-100)	Data Density Score	Regulatory Score	Feasibility Score	Decision & Rationale
🇺🇸	United States	+0.07	35%	FCRA — Established	93	82	90	88	✅ LAUNCH — Clear FCRA framework, 35% PropTech density, largest thin-file market (~62M)
🇬🇧	United Kingdom	+0.05	28%	GDPR — Consent achiev.	78	71	73	74	🚀 PILOT — FCA supportive of alt data; GDPR consent model achievable via tenancy sign-up
🇧🇷	Brazil	+0.04	22%	LGPD — Obtainable	64	60	58	61	📋 ASSESS Q3 — Nubank ecosystem + Cadastro Positivo precedent; local legal required
🇲🇽	Mexico	+0.02	12%	Mixed / Fragmented	41	32	42	38	⏳ MONITOR — Cash-heavy rental market; re-assess when digital density > 20%
🇮🇳	India	+0.01	8%	PDPB — Pending	28	18	20	22	🚫 DEFER 18–24M — PDPB not enacted; 8% density insufficient; monitor PDPB progress

Sheet Score Decile Analysis · showing 13 rows.

Score Decile Analysis — Default Rate Comparison by Risk Band

Score Decile	Score Range	# Applicants	% of Portfolio	Default Rate (Baseline)	Default Rate (Enhanced)	Lift	Defaults Avoided	Lost Revenue Prevented ($)
1	900-850	50000	10%	0.008	0.005	-0.003	150	1200000
2	849-800	50000	10%	0.014	0.01	-0.004	200	1600000
3	799-750	50000	10%	0.024	0.018	-0.006	300	2400000
4	749-700	50000	10%	0.038	0.029	-0.009	450	3600000
5	699-650	50000	10%	0.062	0.049	-0.013	650	5200000
6	649-600	50000	10%	0.093	0.075	-0.018	900	7200000
7	599-550	50000	10%	0.138	0.112	-0.026	1300	10400000
8	549-500	50000	10%	0.197	0.163	-0.034	1700	13600000
9	499-450	50000	10%	0.271	0.228	-0.043	2150	17200000
10	<450	50000	10%	0.358	0.305	-0.053	2650	21200000
TOTAL / WEIGHTED AVG				0.1203	0.0994	-0.020899999999999995	10450	83600000

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