Costa Mesa, Calif.-based Experian has announced the launch of Portfolio Benchmarking and Trend Analysis, touting it as "the first total portfolio management and acquisition solution on the market today."The tool is built on Experian's File One consumer credit database and tracks changes in credit activity to enable quick assessment of current conditions in support of strategic portfolio decisions, the company said. One example cited by Experian is the use of the tool to profile consumers in a specific metropolitan statistical area, state, or region based on delinquency, loan amount, utilization, and inquiry behaviors. Portfolio managers are enabled to look at changes in 30-, 60- and 90-day delinquency trends to adjust risk-management protocols. The tool offers a snapshot generated from a statistically valid 20% random sample of Experian's File One consumer credit database, which currently includes records dating back to 2003. Experian can be found on the Web at http://www.experian.com.

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