Credit Risk

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Achieve Credit Risk Clarity
Across the Customer Lifecycle

Bring consumer and small business credit risk assessment into sharper focus. Leverage industry leading alternative credit data to gain an enhanced perspective on prospect, applicant and customer credit risk.

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Leverage Alternative Credit Insights to Enhance Portfolio Performance

By augmenting existing assessment strategies with alternative data insights, lenders can gain a better understanding of consumer and small business credit risk for improved outcomes from marketing and origination to account management, collections and recovery.

Close Visibility Gaps

Develop a more comprehensive view of creditworthiness to evaluate more applicants.

Grow with Confidence

Identify more qualified prospects to enable growth while managing risk.

Manage Collections Risk

Manage risk by mitigating default losses and supporting debt recovery strategies.

Lenders face an array of challenges, including limited visibility into customer credit risk, intense competition, changing regulations and the declining predictive performance of traditional credit data. In response, many are turning to alternative data to address these challenges and find a competitive edge that can help them win new consumer and small business customers and grow revenue.

88% of US lenders
are more confident making consumer lending decisions
with alternative data, compared to a year ago.¹

Regaining Visibility

Unleash the Power of Differentiated Credit Risk Data Intelligence

Evaluate more customers to navigate risk more effectively. Our industry-leading credit risk solutions enable faster, more confident decisions across the customer journey — helping you drive portfolio performance and profitability.

Our sophisticated credit risk solutions deliver powerful predictive insights at each point in the customer journey.

Customer Acquistion

Tailor prescreen and pre-qualification offers to customers who meet your criteria.

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Loan Origination

Approve more applicants and extend more attractive offers with greater confidence.

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Portfolio Servicing

Anticipate changes in credit quality to customize your approach to account management.

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Debt Recovery

Prioritize and customize outreach strategies to recover delinquent customers.

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Leverage Alternative Credit Insights to Enhance Portfolio Performance

Robust Data Sets

Get a precise, up-to-date view of applicants drawn from a broad range of alternative credit data sets

Superior Models

Access powerful predictive insights that help drive performance, developed using superior linking technology and sophisticated analytical models

Industry-Leading Innovation

Leverage continuous innovation driven by decades of data science and credit risk expertise

Predictive, differentiated credit risk insights that inform improved business outcomes

Expand Addressable Market
Improve efficiency and effectiveness of customer acquisition strategies across prescreen and invitation to apply campaigns with data that captures opportunity that may have been missed by traditional credit data. Refine segmentation to optimize customer acquisition performance, increase response rates and inform pre-qualification offers most likely to lead to customer conversion.

Accelerate customer acquisition

Expand Addressable Market
Improve efficiency and effectiveness of customer acquisition strategies across prescreen and invitation to apply campaigns with data that captures opportunity that may have been missed by traditional credit data. Refine segmentation to optimize customer acquisition performance, increase response rates and inform pre-qualification offers most likely to lead to customer conversion.

Accelerate customer acquisition

Optimize Origination Decisions
By leveraging alternative credit data, you can acquire a more comprehensive understanding of credit risk, allowing you to approve more consumers and small businesses across the credit spectrum. Increase the accuracy of applicant assessments to inform more targeted pricing strategies, clarify swap in/swap out decisions and enable access to personalized credit solutions.

Approve more applicants

Optimize Origination Decisions
By leveraging alternative credit data, you can acquire a more comprehensive understanding of credit risk, allowing you to approve more consumers and small businesses across the credit spectrum. Increase the accuracy of applicant assessments to inform more targeted pricing strategies, clarify swap in/swap out decisions and enable access to personalized credit solutions.

Approve more applicants

Avoid Credit Misuse
Identify and stop high-risk applicants who may elude traditional fraud and credit controls at the point of application. The faster you flag potential customers displaying signs of first-party fraud — along with those who are likely to straight-roll into default or bust out — the more you can focus on serving others. Take adverse action for high-risk applicants, improve portfolio performance and reduce open-to-buy behaviors.

Mitigate credit misuse

Avoid Credit Misuse
Identify and stop high-risk applicants who may elude traditional fraud and credit controls at the point of application. The faster you flag potential customers displaying signs of first-party fraud — along with those who are likely to straight-roll into default or bust out — the more you can focus on serving others. Take adverse action for high-risk applicants, improve portfolio performance and reduce open-to-buy behaviors.

Mitigate credit misuse

Prepare for Shifting Risk
Monitor changes in credit so you can act on growth opportunities and proactively implement default prevention strategies. By engaging early with customers experiencing financial changes, you can create opportunities to enhance the customer experience, improve retention, increase up-sells, minimize risks and losses and drive better portfolio performance.

See opportunities where others see risk

Prepare for Shifting Risk
Monitor changes in credit so you can act on growth opportunities and proactively implement default prevention strategies. By engaging early with customers experiencing financial changes, you can create opportunities to enhance the customer experience, improve retention, increase up-sells, minimize risks and losses and drive better portfolio performance.

See opportunities where others see risk

Prioritize Debt Recovery
Alternative data and advanced analytics can play a pivotal role in enhancing your debt recovery strategies. Improve how you segment and prioritize accounts for collection, accelerate skip tracing and make better decisions about litigation. When servicing at-risk accounts, you need insights that enable you to allocate resources toward those with the highest ability and willingness to repay.

Refine your collections strategy

Prioritize Debt Recovery
Alternative data and advanced analytics can play a pivotal role in enhancing your debt recovery strategies. Improve how you segment and prioritize accounts for collection, accelerate skip tracing and make better decisions about litigation. When servicing at-risk accounts, you need insights that enable you to allocate resources toward those with the highest ability and willingness to repay.

Refine your collections strategy

Accelerate portfolio growth and optimize portfolio performance
with superior analytics and credit risk insights.

Markets we serve

Delivering Advanced Credit Risk Intelligence Across Industries

Financial Services

Boost prescreen campaigns, refine credit risk scoring models, provide more competitive loan offers and optimize profitability.

Buy Now, Pay Later (BNPL)

Improve segmentation strategies,
mitigate credit misuse, elevate debt recovery efforts.

Alternative Lending

Streamline application and underwriting processes with near-real-time access to identity and credit data.

Telecommunications

Evaluate more applicants, mitigate first-party fraud risks, and accelerate recovery efforts.

Collections

Prioritize accounts and inform litigation strategies with an understanding of likelihood to repay.

Automotive

Improve pre-qual offers, optimize origination, and improve collections performance.

Awards

Recognized for Industry-Leading Excellence in Credit Risk Analytics

Frequently asked questions

What types of alternative data does LexisNexis® Risk Solutions use?

Our alternative data provides risk intelligence to better assess an individual or organization's credit risk beyond traditional credit data. These insights may include enriched visibility into credit-seeking behavior, professional licenses, residential stability, asset ownership and more.

Who benefits from the use of alternative credit data for credit risk assessment?

Applicants benefit from the use of alternative data through increased access to credit and better credit offers. Lenders benefit from expanded marketing universes, increased response, approval and booking rates and decreased default and loss rates.

How can alternative credit data help my organization with financial inclusion efforts?

Financial institutions that use alternative data for credit risk assessment can address the two primary consumer segments who struggle with financial inclusion, credit invisible consumers and non-prime consumers. By scoring the vast majority of credit invisible consumers underestimated by traditional data, alternative data can unlock meaningful financial inclusion opportunities for lenders.

What are the regulatory implications of using alternative credit data?

All lenders must comply with the Fair Credit Reporting Act (FCRA) when using alternative data for loan approvals. All LexisNexis® Risk Solutions credit risk products are designed to help meet modern compliance demands, so lenders can focus on driving growth with confidence.

How can alternative data help small business lenders improve their credit risk assessment efforts?

Alternative data can help small business lenders serve a wider range of small businesses by providing more holistic insights into their financial situation. Savvy lenders can also enhance their decision making while reducing their exposure to fraud and risk, with the help of advanced analytics, data modeling and real-time monitoring capabilities.

In what ways can alternative data inform debt recovery efforts for consumer and small business lenders?

Alternative data can help lenders improve their understanding of borrowers, tailor collections strategies and increase recovery rates, all while maintaining strong customer satisfaction levels.

How can consumer and small business lenders use alternative data to enhance their customer acquisition efforts?

By leveraging nontraditional data sources, lenders can grow approval rates by targeting traditionally unscorable applicants more effectively. They can also improve lead quality and customer engagement, enhancing customer acquisition outcomes.

What is credit risk management?

Credit risk management can help improve decisions by using alternative data to better evaluate applicants, including those with limited credit history. This helps lenders expand their market, make competitive offers, and navigate uncertainties confidently. Credit risk management solutions from LexisNexis® Risk Solutions leverage predictive insights to identify opportunities and manage credit risk effectively.

See Multiple Dimensions of Credit — by Leveraging an Added Layer of Visibility — To Help Maximize Opportunities for Growth and Mitigate the Impact of Unseen Risks.

Contact Us to Learn How We Can Help You

Insights and Resources

We believe in the power of data and analytics
to manage risk & uncover opportunity.

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Credit Risk

Achieve Credit Risk ClarityAcross the Customer Lifecycle

Leverage Alternative Credit Insights to Enhance Portfolio Performance

Close Visibility Gaps

Grow with Confidence

Manage Collections Risk

88% of US lenders are more confident making consumer lending decisions with alternative data, compared to a year ago.1

Unleash the Power of Differentiated Credit Risk Data Intelligence

Our sophisticated credit risk solutions deliver powerful predictive insights at each point in the customer journey.

Customer Acquistion

Loan Origination

Portfolio Servicing

Debt Recovery

Leverage Alternative Credit Insights to Enhance Portfolio Performance

Robust Data Sets

Superior Models

Industry-Leading Innovation

Predictive, differentiated credit risk insights that inform improved business outcomes

Accelerate portfolio growth and optimize portfolio performance with superior analytics and credit risk insights.

Markets we serve

Delivering Advanced Credit Risk Intelligence Across Industries

Financial Services

Buy Now, Pay Later (BNPL)

Alternative Lending

Telecommunications

Collections

Automotive

Awards

Recognized for Industry-Leading Excellence in Credit Risk Analytics

Frequently asked questions

See Multiple Dimensions of Credit — by Leveraging an Added Layer of Visibility — To Help Maximize Opportunities for Growth and Mitigate the Impact of Unseen Risks.

Contact Us to Learn How We Can Help You

Thank you.

Insights and Resources

Support Credit Damaged Consumers

Our Data Ecosystem

Enhancing Risk Assessment with Innovative Solutions

Credit in Focus Podcast

Uncover New Marketing Perspectives With Alternative Data

Clarify Your View of Small Business Risk

Recover More Dollars with Refined Customer Insights

2024 Small Business Lending Fraud Study

Financial Institution Contact Center Solutions

Improve Risk Decisioning in Automotive Lending

Regaining Visibility into Consumer Credit Risk

Protect Yourself Against Credit Misuse

Risk-Based Marketing

Buy Now Pay Later Credit Risk Briefing Series

Pinpoint the Strongest Mortgage Prospects and Get There First

Project REACh—Increase Financial Inclusion Through Expanded Insight

Surveying Credit Data Landscape

Aite Using Alternative Data

Alternative Credit Data

Expanding the View: Alternative Data and Financial Health

Credit Risk Solutions for SMB Lenders Ebook

Small Business Lending and Alternative Data E-Book

Small Business Credit Risk

Manage Small and Mid-sized Business Risk and Uncover New Opportunities

Achieve Credit Risk Clarity
Across the Customer Lifecycle

88% of US lenders
are more confident making consumer lending decisions
with alternative data, compared to a year ago.¹

Accelerate portfolio growth and optimize portfolio performance
with superior analytics and credit risk insights.

We believe in the power of data and analytics
to manage risk & uncover opportunity.