Expand Credit Insights℠ delivers summarized insights using contributed deposit account data to help lenders responsibly expand access to applicants with no traditional credit history.
Evaluate lending risk for consumers with no traditional credit history by incorporating deposit account insights, supporting more inclusive lending decisions while maintaining disciplined risk management.
Support broader access to credit by evaluating consumers with no credit history using summarized deposit account activity.
Access summarized deposit account insights to support informed lending decisions.
Strengthen evaluation of repayment potential to help reduce customer default risk.
Deposit account activity contributed by participating financial institutions.
Account activity patterns summarized into actionable credit attributes.
For no-hit no-file consumers, deposit account activity will be sent for review.
Institutions extend credit responsibly to more consumers.
Extend access without expanding risk
Expand Credit Insights℠ provides lenders with an additional view of consumer financial activity patterns, enabling more inclusive credit decisions while maintaining disciplined risk management practices.
Summarized deposit account behaviors for credit evaluation.
Data Provided: Account attributes
Insights for consumers with no credit history.
Data Provided: Alternative credit indicators
The Certos℠ network brings together decades of shared intelligence and advanced analytics to provide a comprehensive portfolio of identity, account, and payment risk solutions, offering deeper insights than any institution can achieve alone.
One of our team members will be in touch within 2-3 business hours.
By clicking the Submit Inquiry button, you agree that the information you have provided is subject to our Privacy Policy. You also agree to receive the communications you have requested (including Early Warning marketing communications). We never share your information with third parties and you can unsubscribe at any time.
