CreditVision Link

Acquire more consumers without changing your risk profile

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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 decisisons

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

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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

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.