In Credit Scoring, Context Makes All the Difference

Our compliance-friendly data attributes help you better understand the borrower’s stability, ability, and willingness to repay.

Customer Risk Assessment


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Go Beyond Traditional Credit Info for Greater Insight

The “safe” route for lenders is to focus only on prime applicants based on traditional credit scores. But, your competitors are all going after that same pool. Instead, you need to better differentiate and segment these full-file consumers for more compelling offers. You also need to look at a bigger pool that’s largely ignored: Creditworthy applicants who are below the magic score, or unscorable, yet exhibit “prime” financial behaviors.

One-fifth of the U.S. population is unbanked or underbanked1, and 24% of this group is unscorable2. Many of these consumers are likely to be as creditworthy as those full-file, prime applicants. In fact, our own analysis showed that, when applying enhanced criteria, 51% have a similar default rate to highly coveted prime consumers.

1. FDIC National Survey of Unbanked and Underbanked Households, 2013
2. LexisNexis Risk Solutions research, 2013

LexisNexis® Risk Solutions has a number of compliance-friendly attributes and scores to help you assess a customer’s propensity to pay. With our breadth and depth of data resources, you’ll have the clear insight you need to:

Increase your revenue potential
Optimize product terms
Improve customer risk management
Expand the addressable market
Build loyalty & affinity with emerging consumers
Support financial inclusion

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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