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Custom Scoring Models
Take the mystery out of credit decisions by predicting behavior.

Custom scoring models use your own consumer or commercial customer data in addition to bureau data to address such business objectives as marketing analysis, customer acquisition, account management, collections/recovery and fraud.

Increase the profitability of your portfolios

Custom scoring models help you identify best prospects, creditworthy customers, most valuable accounts, most profitable recovery opportunities and potential fraudulent activity.

Make objective, consistent and efficient customer evaluations

Custom scorecards automate your decisioning process so your credit decisions are made using non-judgmental, uniform variables selected based on your own data. Faster turnaround time reserves valuable human resources.

Strengthen your portfolio management control

The evaluation of existing strategies is made easier when you implement custom scorecards. These tools enable you to react quickly to changes in your portfolios or in the business environment.

Features

Powerful data yield powerful scorecards

Built using your own application or account data

Gain greater predictive ability when decisions are rooted in historical actions of your client base.

Allow incorporation of tri-bureau data

Analyze all your bureau data, whether you've used one or more credit bureaus in your decisioning.

Offer 500 standard tri-bureau variables

Enhance custom scorecard implementation through ease of programming and simplified maintenance.

Sophisticated analytics ensure state-of-the-art scorecards

Provide segmentation analysis

Receive the optimal number of models required for a more robust solution.

Select most relevant reject inferencing technique

Remove bias from declined applications.

Variable representation

Maximize scorecard power and system compatibility.

Open consultative approach enriches entire project

Promote communication throughout custom scoring project

Secure the most predictive scorecards that comply with your business and technical requirements.

Offer design, development and implementation consulting

Receive strategy recommendations, cutoff options and extensive documentation.

Monitor and track ongoing scorecard performance

Identify areas to improve portfolio strength by changing scorecard cutoff strategies or policy rules.

Include comprehensive audit support

Determine that each scorecard variable is correctly programmed within your system.

For more information on this product, please contact us at 888 414 1120.


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For more information, please contact us at 888 414 1120.
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