This volume is not necessarily a campaign but a description of how to use a dashboard to identify accounts that could potentially cause the credit union a future loss. Credit risk can be proactively mitigated by evaluating the change in members’ credit scores over time. In the industry this is referred to as score migration. What if you found that of the population of credit card holders whose score had fallen by over 5% they would now be considered D or E paper by virtue of your risk based pricing model? These accounts can be proactively reviewed for credit worthiness and potentially be put on a list of members that should be called and either counseled on the drop in their credit score or based upon a full credit report pull be shut down altogether. This is data mining, but don’t worry, it’s easy! We’ll show you how.