Transform Your Credit Risk Assessment
Industry-leading alternative data credit risk scores to help you improve credit risk decision making across the customer life cycle.
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Gain a New Perspective on Consumer Creditworthiness
Advanced alternative data insights help you confidently drive growth.
The lending market is evolving faster than ever before, regulatory scrutiny is growing, and unprecedented
economic shifts can impact a customer’s true creditworthiness in ways that can be hard to see if you’re
only using tradeline credit data.
LexisNexis RiskView Optics and RiskView Spectrum are three-digit risk scores that utilize data sets to
provide industry-leading alternative credit data - including proprietary, near real-time insights into
consumer credit seeking — to help you boost booking rates while managing risk thresholds.
Gain a clearer pictureof consumer risk
Increase predictivescore performance
Execute risk-basedpricing strategies acrossa wide consumer base
Improve risk assessment performance across the credit spectrum
Increase financial
inclusion
Assess traditionally unscorable consumers
with no-hit or thin-file credit histories.
with no-hit or thin-file credit histories.
Clarify decisions onconsumers on the margin
Maximize acceptance rates while managing
risk exposure with improved predictive
capabilities for near-prime applicants.
risk exposure with improved predictive
capabilities for near-prime applicants.
Refine assessment ofprime consumers
Refine offers for applicants in highly
competitive bands by improving risk
segmentation within traditional credit
score bands.
competitive bands by improving risk
segmentation within traditional credit
score bands.
Score more applicants+90%
of applicants without a traditional credit score can
be scored with a high degree of predictive strength.1
be scored with a high degree of predictive strength.1
Improve performance15% lift
in predictive capability for near-prime and prime
applicants — allows lenders to book up to 20% more
accounts without increasing their loss rates.1
applicants — allows lenders to book up to 20% more
accounts without increasing their loss rates.1
Enhance segmentation40%
of consumers in the traditional 671-693 near-prime
score band were identified by RiskView Scores as
belonging in a more prime score band.1
score band were identified by RiskView Scores as
belonging in a more prime score band.1
1 LexisNexis Risk Solutions, Internal Data, 2021.
Improve credit decisions across the full customer life cycle
RiskView Optics and RiskView Spectrum support enhanced credit risk assessment on nearly every U.S. adult consumer.
Expand your addressable market byidentifying overlooked targetconsumers.
Increase approvals, manage riskand deliver more competitive,profitable offers.
Identify opportunities togrow customer relationships andmanage evolving risk.
Access credit insights across three dimensions of consumer behavior
Hover to view the categories of data used in each solution below.
RiskView Optics
Alternative credit seeking
Non-credit events
Non-credit events
RiskView Spectrum
Alternative credit seeking
Non-credit events
Tradeline credit data
Non-credit events
Tradeline credit data
Featured Content
Extend more profitable offers
Learn more about how RiskView Optics
and RiskView Spectrum can help you
improve credit risk assessment.
and RiskView Spectrum can help you
improve credit risk assessment.
Uncover new growth opportunities
Learn how RiskView Optics and RiskView
Spectrum can help you take credit risk
assessment to new levels of
performance.
Spectrum can help you take credit risk
assessment to new levels of
performance.
Expand your perspective on consumer credit risk.
Ready to improve credit risk assessment across the customer life cycle?
Contact us to learn more.