Credit Optics
A New Dimension in Risk Assessment
Credit Optics is a comprehensive score that enables you to evaluate consumers who may be overlooked or deemed high risk utilizing your existing processes. This supplemental score introduces a new dimension to the assessment of credit worthiness: Stability.
Convert these “thin file” or “no file” applications into profitable, sustainable customers simply by leveraging the combined impact of the DataX Credit Report with Credit Optics.
The Credit Optics score gauges risk by examining the velocity of account openings along with changes in the consumer’s phone numbers, addresses and additional identifiers—all in real time.
Gain a Wealth of Information from a Consumer’s Life Activity
Credit Optics, when used in conjunction with the DataX Credit Report, provides you with real-time, three-dimensional insight into consumer risk. The ability to identify both high-risk and low-risk consumers depends on three factors: the borrower’s willingness to pay, ability to pay and stability.
Assess Negative and Positive Risk
Credit Optics facilitates positive decisioning which results in increased revenue and decreased losses.
Improve Your Credit Risk Strategy
Apply greater scrutiny to existing portfolios as well as new accounts.
Manage the Entire Credit Spectrum
Credit Optics’ proprietary insights apply to all credit classes.
Expand Your Share of an Emerging Market
Capture profitable consumers lacking an established credit history.
Perfect Your Decisioning Processes
Pinpoint consumers who might qualify for an improved offer.
With 99% coverage, virtually every consumer across the credit spectrum generates a score. This level of accuracy is only available by combining DataX’s Credit Report with Credit Optics – and it’s the most predictive risk assessment on the market. For more information, please contact us.