Are You Getting a False View of Consumer Risk?

Excluding lien and judgment data from your risk management could result in increased defaults.

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RiskView™ Liens & Judgments

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Assess Risk More Accurately with FCRA Liens & Judgments Data

Optimize your risk management strategies with access to timely lien and civil judgment data.

In 2017 the three Nationwide Credit Reporting Agencies (NCRAs) eliminated most tax liens and civil judgments
from their credit reports.¹While that reporting change may have helped some consumers increase
their credit score, it has added risk for lenders.

The fact remains: Evaluating customers based purely on their tradeline history could
decrease your predictive power and leave you exposed to additional risk.

Higher default risk

Consumers who have a history of
defaulting on debts or legal obligations
are 1.7x more likely to default
on future debts.²

Prevalence of liens and judgments

14.3 million people in the
U.S. have a lien or judgment on file
in the past 7 years.³

Multiple incidences

4.6 million people have more
than one lien or judgment on file
in the past 7 years.³

The absence of liens and judgments data can inhibit the accuracy of your assessment of consumer risk. When you add
that data back, you’re better able to make timely, informed decisions and mitigate financial losses and regulatory risk.

LexisNexis® Risk Solutions is a provider of lien and civil judgment content with technology advancements that
increase its reliability and currency. RiskView™ Liens & Judgments connects valuable public record
and court data to individual consumers and offers actionable details.

Any liens or judgments on file

Attributes such as type
and dollar amount

Details such as dates filed,
amount and case number

Factor risk into credit decisions throughout the customer life cycle.

Expand your addressable
market by identifying
overlooked target consumers.

Evaluate risk holistically
and deliver more
competitive offers.

Fortify customer relationships
and more proactively
manage evolving risk.

Customize outreach strategies
to rehabilitate delinquent
consumers and mitigate losses.

Improve portfolio performance when you see the full picture.

Latest insights

Access the most current public record content available on liens and judgments, gathered via our nationwide network of court runners.

Accurate linking

Our LexID® identity linking technology ensures 99% precision of linking reliability to help you connect the dots between consumer identities and records.

Resolution process

Transparent dispute resolution allows consumers to report and correct any inaccurate liens and judgment information.

Account monitoring

Maintain your portfolio and receive alerts for the changes you specify.