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Transform Your Credit Risk Assessment

Industry-leading alternative data credit risk scores to help you improve credit risk decision making across the customer life cycle.
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LexisNexis® RiskView™ Optics and RiskView™ Spectrum Scores

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Gain a New Perspective on Consumer Creditworthiness

Advanced alternative data insights help you confidently drive growth.

The lending market is evolving faster than ever before, regulatory scrutiny is growing, and unprecedented
economic shifts can impact a customer’s true creditworthiness in ways that can be hard to see if you’re
only using tradeline credit data.

LexisNexis RiskView Optics and RiskView Spectrum are three-digit risk scores that utilize data sets to
provide industry-leading alternative credit data - including proprietary, near real-time insights into
consumer credit seeking — to help you boost booking rates while managing risk thresholds.


Gain a clearer picture
of consumer risk


Increase predictive
score performance

Assess risk

Execute risk-based
pricing strategies across
a wide consumer base

Improve risk assessment performance across the credit spectrum

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Increase financial

Assess traditionally unscorable consumers
with no-hit or thin-file credit histories.
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Clarify decisions on
consumers on the margin

Maximize acceptance rates while managing
risk exposure with improved predictive
capabilities for near-prime applicants.
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Refine assessment of
prime consumers

Refine offers for applicants in highly
competitive bands by improving risk
segmentation within traditional credit
score bands.
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Score more applicants

of applicants without a traditional credit score can
be scored with a high degree of predictive strength.1

Improve performance
15% lift

in predictive capability for near-prime and prime
applicants — allows lenders to book up to 20% more
accounts without increasing their loss rates.1
Pie chart

Enhance segmentation

of consumers in the traditional 671-693 near-prime
score band were identified by RiskView Scores as
belonging in a more prime score band.1
1 LexisNexis Risk Solutions, Internal Data, 2021.

Improve credit decisions across the full customer life cycle

RiskView Optics and RiskView Spectrum support enhanced credit risk assessment on nearly every U.S. adult consumer.

Customer lifecycle

Expand your addressable market by
identifying overlooked target

Increase approvals, manage risk
and deliver more competitive,
profitable offers.

Identify opportunities to
grow customer relationships and
manage evolving risk.

Access credit insights across three dimensions of consumer behavior

Hover to view the categories of data used in each solution below.

RiskView Optics

Alternative credit seeking
Non-credit events

RiskView Spectrum

Alternative credit seeking
Non-credit events
Tradeline credit data

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Extend more profitable offers

Learn more about how RiskView Optics
and RiskView Spectrum can help you
improve credit risk assessment.
RiskView Scores

Uncover new growth opportunities

Learn how RiskView Optics and RiskView
Spectrum can help you take credit risk
assessment to new levels of

Expand your perspective on consumer credit risk.

Ready to improve credit risk assessment across the customer life cycle?

Contact us to learn more.

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