Credit Check Up™
Every lender needs a consistent credit policy. Our review and validation process evaluates both your automated and manual decision-making processes to close the gap between policy and practice.
- Interview staff members across departments.
- Validate existing scorecards and override procedures.
- Assess the availability of key data and review policies.
- Renew or replace outdated decisioning tools.
"If you don’t already have a scorecard in place, our Credit Check Up is the perfect first step in the development process."
Best Bureau Choice
Each of the three national consumer credit bureaus excels in different geographic areas. Our matched-report comparison methodology finds the regions where each bureau delivers the data most critical to your business.
The result? You buy the right report, reduce multiple purchases, and speed up approvals.
Profitability Models
Which of your loans are actually making you money? We build custom analyses to identify dealers, distribution channels, and branches supplying the best paper.
- Analyze variation in up-front vs ongoing costs.
- Determine break-even performance timelines.
- Calculate repeat business acquisition costs.
- Optimize net profit through volume addition analysis.
CBD can wrangle your legacy data at our site and install it on your platform when you’re ready, ensuring the warehouse becomes an integral part of your company’s future growth.
Collection Strategy Analysis
Find the treatment strategy for delinquent accounts that will maximize returns. We help you set up experiments, evaluate results, and fine-tune your timing and outsourcing decisions.
Credit Bureau Variables
CBD provides **500+ variables**, or unique data points, extracted from any of the three main bureau reports. These variables can be used dynamically by your internal systems to make high-level lending decisions.