Product

CreditVision Link

Acquire more consumers without changing your risk profile

Boost approval rates without increasing risk levels

Include more than 60 million traditionally unscorable consumers or others who are lower risk in your marketing campaigns when you have clearer insights into consumer behavior

Make more informed underwriting and pricing decisions

Get deeper insights into financial behaviors so you can make more competitive, risk-appropriate offers, improve decisions about consumer near score cutoffs and achieve competitive differentiation

Drive portfolio quality

Improve the performance of your portfolio by approving good risks you would have declined in the past and swapping out higher risks you would have approved

More intelligent prescreen campaigns

Identify the right consumers to target for prescreen programs. By using CreditVision Link, lenders can better target consumers for marketing, give more accurate offers, and better predict risk

Enhance risk decisions and understand a consumer's trajectory with trended and alternative credit data

Trended Credit Data

Incorporates 30 months of account history, including:

Payment history, such as dollars paid, timing and amount paid vs. minimum due
Total amount borrowed over time
Total amount owed over time

Alternative Credit Data

Consists of more than 3 billion data records collected on more than 260 million U.S. consumers, including:

Deposit account history
Short-term lending
Address stability

Get CreditVision Link

Trended Credit Data and Alternative Credit Data Enhance a Point-in-Time Decision for More Precise Scoring

Increase Approvals with Alternative Data

Say Yes to More Consumers

Why Lenders Value CreditVision Link

In a highly competitive market, lenders are looking for ways to approve more customers at better rates to win their business. Lenders have to know more about the consumer to offer them a competitive rate. With trended credit data, lenders can see where a consumer has come from, where they are today, and where they are likely to go in the future.

The Difference Trended and Alternative Data Can Make

Traditional credit scoring models manage risk assessment based on consumer debt at a single point in time. However, the growing use of trended and alternative data captures a wider range of positive payment behaviors, empowering lenders to make more informed decisions, while increasing financial inclusion to a wider population of consumers.

Increasing Approvals with Trended and Alternative Credit Data

By combining trended credit insights with details about a consumer’s assets, other liabilities, cash flow, and more, lenders can make better decisions about which applicants to approve—and at what rate.

Alternative Data Offers More Consumer Insights

Lenders use trended and alternative credit data gain insights into consumers’ behavior over time and make better decisions. Over the past few years, we’ve seen tremendous growth in the use of alternative data.

Gain a more complete picture of risk

The powerful combination of alternative and trended credit data provides more depth and breadth of information outside of traditional credit bureau data. With this hybrid approach our customers can more precisely score potential customers across all credit risk tiers with greater insight. A credit score that combines both trended credit bureau data and alternative data sources ultimately leads to better outcomes for customers and consumers alike.