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ÌýRoughly 1 in 5 Americans are Invisible Primeâ„¢ borrowers, unable to be assessed fairly and accurately by conventional credit scoring. ³§¾±³æ°Scoreâ„¢ is ºÚÁϳԹÏÍø’s flagship credit probability of default score, leveraging thousands of data points from conventional, alternative, and proprietary sources on a powerful explainable Al and ML platform to help you harness volatility and stop missing creditworthy borrowers.
Transforming the Credit Industry
The ³§¾±³æ°³§³¦´Ç°ù±ðâ„¢ Difference
With vertical-specific scoring models, ºÚÁϳԹÏÍø provides highly-specialized insights that allow lenders of all sizes to capitalize on our decades of risk expertise and receive powerful, compliant ³§¾±³æ°Scoresâ„¢. In all versions of the industry-leading ³§¾±³æ°³§³¦´Ç°ù±ðâ„¢, lenders get:
Learning System to Harness Volatility
Immediate Explainability
Advanced Logic to Automate Decisioning
Incorporate Deal Structures, Assets, and Co-Borrowers
EASY TO UNDERSTAND
Explainable Scoring
At ºÚÁϳԹÏÍø®, we created a platform that is easy to understand and integrate, that’s why ourÌý³§¾±³æ°³§³¦´Ç°ù±ðâ„¢Ìýmodels provide credit scores in the traditional 300-850 range. Our scores are intuitive and feature a wide range of insights and ECOA compliant reason codes to ensure you and your customers understand exactly how a score was provided. Additionally, our scoring models can be customizable and adaptable to your specific credit scoring needs!
EASY TO UNDERSTAND
Explainable Scoring
THE KEY TO ACCURATE SCORING
Superior Data
To build fully customizable machine learning models,ÌýCredit Bureau+â„¢ byÌýºÚÁϳԹÏÍø® uses a comprehensive set of data sources including:
- Traditional credit bureau data
- Alternative data
- Proprietary data
THE KEY TO ACCURATE SCORING
Superior Data
To build fully customizable machine learning models, ºÚÁϳԹÏÍø® uses a comprehensive set of data sources including:
- Traditional credit bureau data
- Alternative data
- Proprietary data
TAILORED TO THE CUSTOMER
Recommended Loan Amounts
Optimize your strategy and risk tolerance with our Recommended Loan Amount (RLA) and Recommended Payment Amount (RPA) for payday and installment loans.
TAILORED TO THE CUSTOMER
Recommended Loan Amounts
NOT ONE SIZE FITS ALL
Powerful, Dynamic Scoring Models
Credit Bureau+â„¢ by ºÚÁϳԹÏÍø® has the following standard models available for quick implementation that leverage our consortium database built on years of industry-specific expertise:
- Canadian Installment
- American Installment
- American Auto
- Canadian Auto
NOT ONE SIZE FITS ALL
Powerful, Dynamic Scoring Models
ºÚÁϳԹÏÍø® has the following standard models available for quick implementation that leverage our consortium database built on years of industry-specific expertise:Ìý
- Canadian Installment
- American Installment
- American Auto
- Canadian Auto
Who Do We Help?
Direct & Indirect Auto Lenders
It’s not simply just the borrower risk – it’s about the vehicle, the deal structure, and the effectiveness of your collections process/skip-tracing.
Installment and Single Repayment Lenders
Our data constellation gives our clients the ability to gain unparalleled insights into an applicant’s background, leading to increased originations and decreased defaults.
