Are You Getting a False View of Consumer Risk?
Excluding lien and judgment data from your risk management could result in increased defaults.
Download the Brochure
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.1 While 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
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
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
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.
market by identifying
overlooked target consumers.
Evaluate risk holistically
and deliver more
competitive offers.
and deliver more
competitive offers.
Fortify customer relationships
and more proactively
manage evolving risk.
and more proactively
manage evolving risk.
Customize outreach strategies
to rehabilitate delinquent
consumers and mitigate losses.
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.
RiskView Liens & Judgments provides critical data for your credit assessment process
Get nationwide coverage
Choose your delivery method:
XML integration, batch data
appends,
or online alerts
Customize the type of lien
and judgment content you want
Make better risk decisions.
By combining public records and alternative data sources with our powerful linking technology,
we provide your business with broader perspective into a consumer’s financial standing to support
stronger credit risk strategies. Our thorough data on liens and judgments enables you to:
Protect against
unnecessary risk
Make profitable
lending decisions
Retain your competitive
edge
Recognize an applicant’s diminished creditworthiness
Featured Content
Improve your perspective on risk
Learn more about how you can factor liens
and judgments content into your process.
and judgments content into your process.
RiskView™ Liens and Judgment Report is a consumer reporting agency product provided by LexisNexis Risk Solutions Inc. and may only be accessed in compliance with the Fair Credit Reporting Act, 15 U.S.C. § 1681, et seq.
Expand your perspective on consumer credit risk
Ready to improve credit risk assessment across the customer life cycle?
Contact us to learn more.
1 https://www.consumerfinance.gov/about-us/blog/new-retrospective-on-removing-public-records
2 LexisNexis Risk Solutions Information Hub, 2023
3 LexisNexis Risk Solutions Information Hub, 2024
2 LexisNexis Risk Solutions Information Hub, 2023
3 LexisNexis Risk Solutions Information Hub, 2024