Skip to content

ID Analytics Credit Optics:
A New Dimension in Credit Decisioning

ID Analytics® Credit Optics™ improves traditional credit decisioning by gleaning insight from information that is not typically analyzed when calculating a traditional credit score–the stability of an individual. When used in combination with legacy credit scores, this unique, third dimension is an incremental perspective of risk that has been proven to eliminate up to 25% of credit losses without reducing the number of accounts booked.

In addition to strengthening the loss mitigation strategies being applied to existing portfolios, ID Analytics Credit Optics also supports responsible growth within emerging consumer segments. ID Analytics Credit Optics is being used to identify the 20% of thin file accounts that will develop into profitable customers across a variety of industries.

Benefits of ID Analytics Credit Optics
  • Reduce Credit Losses with Perspective of Risk
    Eliminate up to 25% of credit losses while maintaining account bookings
  • Improve Credit Risk Performance
    Apply greater scrutiny to existing portfolios and new accounts
  • Manage the Entire Credit Spectrum
    Proprietary insight applies to all credit classes
  • Expand Share of Emerging Consumer Market
    Capture profitable consumers lacing established credit histories
  • Fine-Tune Decision Processes
    Pinpoint customers worthy of receiving and improved offer

ID Analytics delivers this unique perspective of risk based on proprietary advanced analytics and the ID Network®, the nation’s only real-time, cross-industry compilation of identity information. ID Analytics Credit Optics determines the credit worthiness based on stability of credit and identity risk over time.

Whether your strategy is focused on dynamic credit line adjustments or determining cross-sell offers, ID Analytics Credit Optics is a cost-effective solution to sharpen and improve credit risk management practices across the entire credit spectrum. The results are proven to reduce credit losses and capture emerging consumers by integrating an incremental, yet powerful perspective of risk.

ID Analytics Credit Optics Workflow

Email us for a free consultation and assessment.

If you want to see the information pertaining to you that is used to create a report, please click here.