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Welcome To Creative Business Decisions

Empirical Credit Evaluation Models

We develop custom scorecards and decision trees using data about your individual customers: credit applications, credit bureau reports, and repayment information. Our modeling process finds characteristics that, in combination, predict the risk of lending to each new applicant. Performance projections that allow you to easily set accept/reject levels to meet management risk objectives are developed. A set of monitoring reports, and actions to be taken, when shifts are detected are also provided. We help clients to –

  • Increase approval rates without raising delinquency
  • Choose the right deal to offer the applicant
  • Manage bad debt rates
  • Identify characteristics of your profitable customers.

We’ve developed models for banks, retailers, and many other companies. We’re the industry leader in non-prime auto finance modeling.