Alternative Data Just Became Essential

Credit risk management made simple through enhanced alternative credit solutions. ID Analytics®―now part of LexisNexis® Risk Solutions.
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Credit Risk Assessment

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See Opportunity Where Others See Risk 

Increasing pressure for growth. Declining tolerance for financial losses. Mounting regulatory scrutiny. These conflicting demands placed on credit risk management seem to present an insurmountable challenge. How do you extend more competitive offers to a wider range of applicants – prime-to-subprime and thick-file to no-file - without increasing risk exposure or adopting bleeding-edge innovations?

The secret is obtaining a more comprehensive view into applicant creditworthiness. Enterprises can make smarter lending decisions across the credit spectrum by pairing traditional credit data with powerful, proven alternative insights – delivering an improved understanding of credit risk that can help you see opportunity where others simply see risk.

LexisNexis Risk Solutions approaches credit risk assessment through straight-forward fundamentals - we leverage best-in-class linking technology to bring thousands of FCRA data sources together into a single picture of a consumer or business, then assess that picture with powerful analytics guided by vast industry expertise. Designed with a compliance-first mindset, the resulting solutions have helped leading U.S. lenders gain competitive advantages through increased insight for nearly two decades.

In 2020, we meaningfully advanced our capabilities with the acquisition of ID Analytics®, a leader in alternative credit scoring with patented analytics, proven expertise, and near real-time insight into consumer behavior. With our data sources and analytical expertise combined, LexisNexis Risk Solutions has never been better positioned to help you know more and lend better.

Whether your focus is on consumer or small business lending, choose the alternative credit risk solutions that can help you score more credit invisible applicants, improve lending decisions on the margin, and responsibly issue the improved offers to prime consumers needed to win their business. Unleash the power of alternative credit data with LexisNexis Risk Solutions.

Discover how our customer acquisition and credit risk assessment solutions strengthen the performance of your customer portfolio.

Small and Mid-Sized Business
Credit Risk

We specialize in that hard-to-find information on small and new businesses, their owners and related entities.

Customer Risk Assessment

Expand your horizons. Our data reveals “prime” prospects that have been off your radar far too long.

Putting time and effort into making a decision is costly to you and frustrating to the borrower. 

That's where we come in — with alternative data sources that paint a picture of financial responsibility beyond credit history, and remarkable profile linking capabilities that yield deeper insight into the applicant and the risk. The results: Confident loan approvals. Profitable portfolio growth. Happy, successful customers.

LexisNexis® Risk Solutions Offers Several Advantages

 Foster better insights and greater financial inclusion

Generate valid scores for up to 80% of the thin-file or no-file consumer population.*

Approve more applicants, and better segment risk.

Using extensive alternative data sets and powerful linking technology, score up to 60% more businesses than with traditional credit data alone.*

*Based on an internal review of LexisNexis data

Our solution offers insight into the current financial health of over 40 million underserved consumers.

Average BankCard Score
The RiskView Bankcard score provides predictive insight on the creditworthiness of bankcard applicants. The score is often used either for those credit applicants that cannot be scored using traditional credit history or for those who do have established credit history.
*Data Aggregated from FCRA Prospect Database April 2018

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We believe in the power of data and analytics
to manage risk & uncover opportunity.

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