ID Analytics Credit Risk: Customer Acquisition
Credit Optics® fine-tunes credit decisions with incremental visibility of risk across multiple industries. More accurately determine the best product, pricing, deposit requirement, or credit line decision with this solution.
Credit Optics®
FCRA-compliant Credit Optics delivers incremental visibility of credit worthiness and improves credit decisioning by gleaning insight from information that is not typically analyzed when calculating a traditional credit score. While traditional credit scores determine credit risk by predicting the willingness and ability to repay debt, ID Analytics Credit Optics introduces a unique, third dimension to this analysis-the stability of an individual.
Key benefits include:
- Improve Credit Risk Performance
Apply greater scrutiny to existing portfolios and new accounts. - Manage the Entire Credit Spectrum
Accurately assess all credit classes. - Reduce Credit Losses with a New Perspective of Risk
Eliminate up to 25% of credit losses while maintaining account bookings. - Expand Share of Emerging Consumer Market
Capture profitable consumers lacking established credit histories.
