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Alternative Credit Data
Go beyond the traditional risk score and further segment consumers
Supplementing traditional risk scores with alternative data sources can help you:
Evaluate debt obligations and ability to pay
Refine consumer segmentation to better target offers or assign treatments
Identify and retain strong performing customers
Strengthen risk assessment of underbanked or new-to-credit populations
Improve collection prioritization
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ID ANALYTICS CREDIT OPTICS AND CREDIT OPTICS PLUS
ID Analytics Credit Optics scores help predict the creditworthiness of an individual, based on the stability of credit and identity risk over time.
Learn more about ID Analytics Credit Optics and Credit Optics Plus >>
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L2C MODEL
Supplement traditional risk scores with payment-based alternative data to build more effective treatment strategies in any economic environment.
Learn more about L2C Model >>
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ADJUSTABLE-RATE MORTGAGE DATA
Identify consumers in your portfolio that have adjustable-rate mortgages with other lenders. Quantify the increased risk these consumers present and take action, including adverse action, to proactively mitigate risk currently in your portfolio.
Learn more about Adjustable-Rate Mortgage Data >>
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Related solutions
Express Portfolio Review >>
Custom Portfolio Review >>
Directional Scoring >>
Risk Scores and Models >>
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