Credit Decisioning Data
We deliver more than a credit score – we provide reliable Decisioning Data
WHAT EXACTLY IS THIS? It is ‘Alternative Credit Data’ that is used for determining the creditworthiness of young, thin file borrowers.
HOW DOES YOUR DATA PREDICT CREDIT LOSSES? The most reliable predictor of credit delinquency is the probability of job loss. We have calculated the probability of ‘involuntary separation from employment’ within the next 12 months for over 180 occupations. This is one of the key values provided to you in our reports. See our User Guide and FAQ for more details regarding our data and methodology.
HOW DO LENDERS AND LANDLORDS USE THIS INFORMATION? It is used in conjunction with existing credit reports to provide a more comprehensive picture of borrowers’ creditworthiness. Credit scores provide insights regarding the borrowers’ past. We provide data which shows the probability of the borrower meeting their financial obligations in the future.
WHAT BORROWERS IS THIS INFORMATION APPLICABLE TO? Primarily, ‘young, thin file borrowers’. Persons who are typically 30 yrs old or less generally have less established credit histories (thin file), and this cohort is our area of expertise.
HOW RELIABLE IS THE CREDIT DATA THAT YOU OFFER? Since 2010, our parent company has used the same data in providing actuarial services to student lenders and student debt collectors.
HOW MUCH DOES IT COST? $1 per report.
Lastly, our system is anonymous regarding borrower identity, gender and ethnicity. This means that we will not ask you for any Personally Identifying Information (PII) in the application process. As such, the risk of security and related legal issues are greatly reduced. The report you receive from our system will of course not reflect any identifying characteristics of the specific borrower. If will reflect the financial characteristics of persons whom are similarly situated in the stated occupation.
- Managers
- Food Service Managers
- Human Resources Managers
- Purchasing Managers
- Advertising And Promotions Managers
- Accountants
- Human Resources Workers
- Management Analysts
- Market Research Analysts And Marketing Specialists
- Personal Financial Advisors
- Credit Counselors And Loan Officers
- Meeting, Convention, And Event Planners
- Wholesale and Retail Buyers
- Tax Preparers
- Budget Analysts
- Software Developers
- Computer Support Specialists
- Computer Systems Analysts
- Network And Computer Systems Administrators
- Web Developers
- Database Administrators and Architects
- Computer Network Architects
- Web And Digital Interface Designers
- Engineers
- Engineering Technicians
- Chemists
- Chemical Technicians
- Biological Technicians
- Economists
- Social Workers
- Social And Human Service Assistants
- Counselors
- Clergy
- Social Service Specialists
- Mental Health Counselors
- Probation Officers
- Child, Family, And School Social Workers
- Lawyers
- Paralegals
- Legal Support Workers
- Elementary And Middle School Teachers
- Teaching Assistants
- Preschool And Kindergarten Teachers
- Secondary School Teachers
- Graphic Designers
- Designers
- Artists And Related Workers
- Writers And Authors
- Photographers
- Public Relations Specialists
- Camera Operators
- Media and Communication Workers
- Editors
- Nurses
- Clinical Laboratory Technologists And Technicians
- Veterinary Technologists and Technicians
- Emergency Medical Technicians
- Pharmacists
- Physical Therapists
- Paramedics
- Physician Assistants
- Occupational Therapists
- Medical Records Specialists
- Nursing Assistants
- Personal Care Aides
- Medical Assistants
- Dental Assistants
- Home Health Aides
- Healthcare Support Workers
- Physical Therapists Assistants
- Medical Transcriptionists
- Massage Therapists
- Security Guards
- Police Officers
- Correctional officers
- Firefighters
- Protective Service Workers
- Detectives And Criminal Investigators
- Transportation Security Screeners
- Cooks
- Waiters And Waitresses
- Food Preparation Workers
- Supervisors Of Food Service Workers
- Fast Food And Counter Workers
- Bartenders
- Dishwashers
- Hosts And Hostesses
- Janitors
- Landscaping And Groundskeeping Workers
- Maids And Housekeeping Cleaners
- Pest Control Workers
- Childcare Workers
- Hairdressers
- Recreation Workers
- Barbers
- Gambling Services Workers
- Ushers, Lobby Attendants, And Ticket Takers
- Supervisors Of Retail Sales Workers
- Retail Salespersons
- Cashiers
- Sales Representatives, Wholesale And Manufacturing
- Insurance Sales Agents
- Real Estate Brokers And Sales Agents
- Sales Workers
- Securities, Commodities, And Financial Services Sales Agents
- Advertising Sales Agents
- Counter And Rental Clerks
- Customer Service Representatives
- Receptionists And Information Clerks
- Secretaries And Administrative Assistants, Except Legal, Medial, And Executive
- Office Clerks, General
- Shipping, Receiving, And Inventory Clerks
- First-Line Supervisors Of Office And Administrative Support Workers
- Bookkeeping, Accounting, And Auditing Clerks
- Couriers And Messengers
- Data Entry Keyers
- Hotel Desk Clerks
- Insurance Claims And Policy Processing Clerks
- Bill And Account Collectors
- File Clerks
- Executive Secretaries
- Information and Records Clerks
- Human Resource Assistants
- Medical Secretaries
- Credit Authorizers, Checkers, And Clerks
- Procurement Clerks
- Freight Agents
- Legal Secretaries
- Agricultural Workers
- Construction Laborers
- Carpenters
- Electricians
- Plumbers
- Construction Equipment Operators
- Roofers
- Sheet Metal Workers
- Flooring Installers
- Helpers, Construction
- Auto Mechanics
- Maintenance and Repair Workers
- HVAC Mechanics
- Bus and Truck Mechanics
- Aircraft Mechanics
- Heavy Vehicle Mechanics
- Electric Power Line Installers
- Computer Repaireres
- Radio And Telecommunications Equipment Installers And Repairers
- Auto Body Repairers
- Security Alarm Installers
- Home Appliance Repairers
- Helpers-Installations and Repair
- Home Entertainment Equipment Installers
- Production Workers
- Welders
- Inspectors
- Supervisors of Production Workers
- Packaging Machine Operators
- Machinists
- Butcchers
- Bakers
- Electronics Assemblers
- Computer Controlled Tool Operators
- Printing Press Operators
- Laundry And Dry-Cleaning Workers
- Helpers-Production Workers
- Food Batchmakers
- Laborers
- Driver/Sales Workers And Truck Drivers
- Stockers
- Industrial Truck Operators
- Packers
- Vehicle Cleaners
- Taxi Drivers
- Tranportation Attendants
- Parking Lot Attendants
- Bus Drivers
- Flight Attendants
- Shuttle Drivers And Chauffeurs
- Transportation Workers
State is required.
Region is required.