Leverage data that enables trust, better lending decisions and improved customer experiences.
We help mail order, home shopping, brick and mortar, and online retailers make fast, secure and confident credit decisions. We offer a powerful combination of decisioning software, credit data, and a variety of flexible, complementary solutions that support each stage of the customer journey and assist with your approach to compliance.
Our credit risk solutions offer traditional risk scoring and trended credit data for a more holistic consumer picture — helping you make instant, informed decisions regarding consumers applying for credit at the point of purchase.
Affordability solutions help ensure customers aren’t taking on credit they can’t afford and credit limits remain suitable throughout their time with you. More robust checks can help reduce the size of your future bad debt book and potential lost income.
Our CallValidate suite of identification and verification tools supports your risk management strategies by allowing you to quickly know customers are who they say they are. This enables genuine customers to transact with confidence and strengthens your approval process. At the same time, anti-impersonation checks can cut the risk of chargebacks and tackle delivery fraud where stock is lost due to fraudulent addresses.
Our expertise as a global insights and information company ultimately delivers an accurate and comprehensive picture of consumers. And when you truly understand customers, it’s easier to build basket size and loyalty.