See Opportunity Where Others See Risk
ID Analytics’ credit risk solutions let you make smarter lending decisions, with a more complete view into consumer behavior that helps to grow your business without growing losses. By pairing traditional credit data with powerfully alternative insights from the wireless, banking and sub-prime markets, Credit Optics enables smarter more predictive credit decisions across the customer lifecycle. Unlock the potential of alternative credit data through solutions built to respect consumer transparency and grow your business with confidence.
- Alternative Credit Data — Credit Optics® Full Spectrum
- Synthetic Identity — Credit Optics® Intentional Misuse
- Acquisition — Credit Optics® Prescreen
- Risk Assessment — ID Score® Action
- Credit Optics® Portfolio Management
Credit Risk Solutions†
Credit Optics Full Spectrum (COFS)† draws from the unique blend of traditional and alternative consumer credit 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 credit issuers and lenders see opportunity where others simply see risk. COFS 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, COFS gives a more complete credit assessment for nearly every U.S. consumer.
Credit Optics Intentional Misuse is an FCRA-governed risk assessment which predicts the likelihood that an applicant intends to misuse the credit or solution they are applying for. The solution targets one of the more challenging loss drivers in lending – credit abuse. By focusing on intent, Credit Optics Intentional Misuse is able to identify a wide-range of behaviors, including synthetic identity, first party fraud, first pay default, and bust-out. Designed for enterprises who view, and wish to tackle, synthetics as a credit abuse problem. Enterprises who view synthetics as an identity fraud problem, please visit our Fraud Risk Management page.
Credit Optics Prescreen† predicts the likelihood of a prospect ending up 90 days delinquent or charging-off within 12 months. By utilizing a rich source of traditional and alternative data, Credit Optics Prescreen identifies prospects with the right balance of risk and propensity to respond, allowing you to grow both response and booking rates.
ID Score Action† provides an effective and adverse-actionable means of assessing risk designed with fair lending standards in mind.ID Score Action provides a powerful and differentiated perspective on credit risk that can deliver strong results as a stand-alone score, or as an enhancement to existing custom solutions. Once ID Score Action fully evaluates the consumer, low-scoring applications can be declined or extended restricted offers, while others may be quickly approved.
Credit Optics Portfolio Management† predicts the likelihood of a customer ending up 90 days delinquent or charging-off within 12 months. By incorporating non-traditional activities like wireless, sub-prime loan and alternative payment applications, Credit Optics Portfolio Management gives a more complete credit assessment.