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 underbanked[1], and 24% of this group is unscorable[2]. 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

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Insights and Resources

Case Study

Solving Underbanked Credit Scoring  

Learn how Kinecta unlocked the underbanked market. 
Video

Alternative Data Can Predict Credit Risk 

Find out how RiskView can help navigate a high risk landscape. 
White Paper

Loan Growth in a New Economy

Alternative data can uncover new opportunities 
Infographic

It’s Time to Redefine Prime

You’re missing the opportunity to connect with good prospects

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

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