Credit risk scores

Our risk scores give you the ability to quickly and consistently measure, benchmark and predict risk through credit scoring models that use best-in-class data, analytics and technology.

Our scores are developed using traditional and nontraditional credit data, such as expanded FCRA data, consortium and business activity data — which provides greater insight into a customer’s creditworthiness and ability to pay — and advanced machine learning to provide safe, accurate, explainable and actionable decisions.

We create multiple model versions using various statistical methods to help boost model performance. These versions create added flexibility for businesses depending upon individual model governance standards.