L2C Alternative Risk Model

How would your risk management approach change if you had access to more than just traditional credit scores? In any economic environment, the more data and insight you have on your customers, the more effective your treatment strategies will be.

In every segment of your portfolio, additional measurements should be taken to better understand consumer behavior changes. Supplement traditional risk scores with alternative data from L2C to gain deeper insight into behavior changes and enhance your risk management strategies.

• Further segment consumers across score bands
• Measure underlying risk and assign appropriate treatments
• Improve collections prioritization
• Identify and retain strong performing consumers
• Strengthen risk assessments of thin-file populations

TransUnion has partnered with L2C to offer additional risk assessment, leveraging data that is not traditionally used in risk models, including:

Rental Club and continuity Proprietary reported

Public records Alternative credit arrangements Check cashing

Debit Fraud and identity

L2C draws from a comprehensive database including:

• Over 1 billion, regularly updated records
• 250 data fields
• Coverage of 95% of all U.S. households
• Scoreable rates that typically exceed 90%