Zero-balance tradelines are now incorporated into Monthly Payment Amount calculations

PLANO, Texas: Digital Matrix Systems, Inc. (DMS) today announced the addition of ten new tri-bureau attributes to its DMS Summary Attributes® library. These enhancements address emerging trends in consumer credit reporting and strengthen lenders’ ability to evaluate repayment obligations that previously fell outside standard calculations.

In recent years, DMS has observed an increase in self-reported tradelines within consumer credit files, including rental and insurance accounts. While these tradelines support financial inclusion by offering visibility into consumers with limited credit histories, they also exhibit distinct reporting patterns such as consistent reporting of zero balances.

Child support tradelines, which are not self-reported, also commonly report zero balances but still show Monthly Payment Amounts (MPA) greater than zero. Because traditional attribute designs calculate MPA only for tradelines with balances greater than zero, these emerging patterns created gaps that could affect the completeness and accuracy of lenders’ models.

To address this industry shift, DMS has introduced ten new attributes that incorporate tradelines reporting a zero balance into MPA calculations. With these enhancements, lenders can more accurately capture repayment behavior across a broader range of tradeline types, including accounts that historically fell outside standard usage-based calculations.

“Lenders depend on DMS Summary Attributes for consistent, trustworthy insights, especially as the credit landscape evolves,” said Aaron Trentacosta, Chief Operating Officer at Digital Matrix Systems. “We are always listening to what our clients are seeing in the market, and these new tradeline patterns are a good example. By expanding the attribute library, we are giving lenders better tools to assess repayment behavior and make stronger, more confident decisions.”

The new attributes are available immediately and offer lenders an enhanced view of repayment behavior, supporting more accurate and confident credit decisioning.

About Digital Matrix Systems, Inc.

Founded in 1982, Digital Matrix Systems (DMS) enhances business performance for financial institutions and insurers through data-driven insights, advanced analytics, risk management tools, and compliance solutions. DMS empowers clients to leverage credit and alternative data to make critical business decisions with greater confidence and precision. With deep expertise and a comprehensive product suite, including analytics, data compliance solutions, credit policy testing, Metro 2® auditing, and dispute resolution support, DMS helps clients navigate an evolving data ecosystem and stay competitive. For more information, visit www.dms.net and follow DMS on LinkedIn.

Fonte: Business Wire