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DMS TestLab
TAKE CONTROL OF CREDIT POLICY TESTING
Leading financial services and insurance companies need to perform thorough testing to ensure the best outcomes. DMS TestLab® provides quick and convenient access to test data. This powerful tool consists of a Test Repository, Report Editor, and Simulator.
DMS TestLab® enables you to test the potential impact to your portfolio of negative events. These include natural or declared disasters, accounts in forbearance or with deferred payments, and bankruptcies, collections, and other events.
To help clients test loan and policy origination systems, DMS enables you to import credit files into private test regions. You can then modify credit files to simulate credit events.
Go Beyond Traditional Credit Policy Testing
The platform allows users to have full control over their test populations. Users have the ability to edit reports in order to emulate any credit history behavior. Once a test population has been edited and modified, it can be moved to the simulator to perform end-to-end bureau testing. Watch this brief video for an introduction:
Report Editor
Delivered via our ClientServices® portal, the editor functionality in DMS TestLab® supports all major credit bureaus. It enables companies to create test credit reports, add tradelines, public records, and/or any other permissible segments. Users can edit/modify details including payment profiles, credit limits, and imported dates.
Test Repository
DMS TestLab® includes a powerful test repository to manage credit reports individually, by population, and by teams. Once a test population has been edited and modified as required, it can be moved to the simulator to perform end-to-end bureau testing. Build a private test region with credit files of your choice for new feature and regression testing. Perform knockout rules, score cut, and turn-down reason assembly testing and fully validate credit policy implementations. Add events to existing credit files and/or bureau archives to test system response to events.
Simulator
Our Bureau Simulator functionality emulates the retrieval of credit response files as if one or more of the major credit bureaus were returning them. You’ll minimize reliance on credit bureau test data and improve the quality of your product releases. You’ll also gain control when testing both scorecards and loan origination systems with reusable test data. Complete multi-bureau system and scorecard regression tests in half the time of traditional testing methods leveraging our simulator tools.
Professional Services
To help facilitate testing in your portfolio, DMS offers professional services to add events to existing production files.