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Acquisition and portfolio management strategies are driven by the accuracy and depth of the risk assessment tools on which they are based. Alternative identity- and payment-based data can supplement traditional risk scores to help you:
  • 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

Enhance traditional risk scores with ID Analytics®

ID Analytics Credit Optics is a risk assessment tool that predicts the creditworthiness of an individual, based on stability of credit and identity risk over time.

While traditional risk scores determine credit risk by predicting a consumer's willingness and ability to repay debt, Credit Optics provides additional insight from a consumer's identity data.

Get valuable identity data intelligence

Credit Optics leverages consumer identity information within the ID Analytics ID Network®, the nation's first real-time, cross-industry database of identity and fraud information.

The ID Network delivers information derived from credit applications, card transactions, payments, reported frauds, changes of name/address and demographics.
  • 700 billion aggregated data elements
  • 1.1 billion unique identity elements
  • Average daily flow of 45 million
  • 2.6 million reported frauds
  • 1.4 billion consumer transactions

Supplement risk assessments with the L2C Model

The L2C Model is a risk assessment tool that predicts the creditworthiness of an individual based primarily on alternative payment data not used in traditional credit risk scores.
The L2C Model leverages data that is not typically reported to credit bureaus or used in traditional credit risk models, including:

RentalPublic recordsDebit
Club and continuityAlternative credit arrangementsFraud and identity
Proprietary reportedCheck cashing

The L2C Model draws from multiple data sources, including:
  • Over 1 billion, regularly updated records
  • 250 data fields
  • Coverage of 95% of all U.S. households
  • Scoreable rates that typically exceed 90%
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