Creative Business Decisions is a decision management solutions company, headquartered in Princeton, New Jersey.

Over the last 30+ years, we have worked for American Express, Citibank, Mercedes Benz, Nationwide Auto, Royal Furniture, Tidewater Lending, and hundreds of other large and small companies around the world, to optimize returns on their credit portfolios through our custom built empirical and behavioral scoring models. We help our clients:

  • Increase their customer base without increasing risk
  • Reduce default rates and save on credit losses
  • Have consistency in decision-making
  • Automate lending decisions
  • Measurably lower the cost of collections
  • Increase the lifetime value of customer relationships

Credit Check-Up
Do You Have Your Lending Business Under Control? Protect your credit portfolio in these uncertain times. Ensure full compliance with current and future Federal Reserve Board regulations and Consumer lending laws. more

CBD has partnered and integrated with multiple solution providers like TCI, DEFI, CARLETON, MICROBILT, ALL THREE CREDIT BUREAUS, SMART CSC, CMSI, GOLD POINT, LAUNCHER, AND OTHERS to provide an integrated solution for the lending industry. With easy to use credit decision-making tools like credit scoring, auto decision rules, tier creation, lenders can maximize on efficiency, profitability, reliability and strategic excellence as a result of this end-to-end, highly scalable, user friendly solutions.

CBD and Software
CBD offers Credit Scoring ability through custom built scoring models and industry specific Generic models with automated loan capture/decision-making services to customers. The Models can be accessed using CBD's software connected to multiple Loan Origination Systems and other home-grown systems. more