This solution will help industry participants develop better valuations based on the composition and risk of consumers in individual mortgage pools. For example, two pools of loans with similar "aggregate" characteristics (e.g., loan size, original consumer risk and LTV and geographic mix) could have significantly different expected default rates – and, therefore, different cash flows and valuations – based on current and trended individual consumer credit characteristics (e.g., credit utilization and total debt outstanding). While results will vary from portfolio to portfolio, initial TransUnion analysis showed an improvement in default predictions of more than 15 percent over current predictive methodologies.