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Welcome To Creative Business Decisions

Debt-to-Income Analysis

Ability-to-pay evaluations can be used to determine the optimal credit line or loan amount that should be granted to an individual based upon an analysis of their income and monthly payments. The system provides a statistically sound way of setting credit lines and of providing counter offers to individuals that do not qualify for the loan amounts that they have requested. This process can also be used to set a “super credit line” for an individual across all products, even if the applicant has applied for only one product.

This provides for a tremendous cross-selling opportunity to customers and creates a uniform account relationship by customer as opposed to separate relationships for different products.