Better credit decisioning allows you to be more aggressive with your lending strategy without increasing risk exposure. And the key to better lending decisions is unique data.

Credit Optics® draws from the unique blend of traditional and alternative consumer behavior data in the ID Network® to inject new, predictive information into existing credit bureau and custom models. The result is an improved understanding of consumer credit risk that helps see opportunity where others simply see risk.

How It Works

Credit Optics looks at traditional and alternative credit data to predict the likelihood of a customer ending up 90 days past due or charging-off within 12 months. By evaluating non-traditional activities like wireless, sub-prime loan and alternative payment applications, Credit Optics gives a more complete credit assessment for nearly every U.S. consumer.

How Credit Optics Can Help You

  • Grow your portfolio without growing risk, by extending better pricing and terms to consumers misclassified by traditional credit scores
  • Feel secure with a solution designed for compliance with fair lending standards, while tapping into a powerful and differentiated source of alternative data.

White Papers

Harnessing Traditional and Alternative Credit Data: Credit Optics 5.0

Lenders are increasingly challenged to meet growth objectives and competitive pricing demands while maintaining credit quality standards. Fortunately, advances in underwriting are available that balance these often conflicting objectives. This whitepaper presents lending innovations through the use of a new credit score that can identify and capture higher-quality loans throughout the credit spectrum. Learn more about Credit Optics, a tool that leverages traditional and alternative credit data to achieve greater profitability and risk control.

Download Whitepaper Here