vCredit

Product Details

(Click to enlarge image) Assess credit risk. Assess ability to pay based on inquiries, payment behavior, and payment performance leveraging our alternative FCRA-compliant score.

Our vCredit® solution is an advanced FCRA-compliant predictive credit risk score designed to empower businesses with more accurate and holistic insights into consumer creditworthiness. Unlike traditional credit scores, which are often lagging indicators, vCredit® incorporates proprietary bank account and payment intelligence from our extensive data network, providing a current and complete view of a consumer’s financial health. By analyzing past inquiries, payment performance, and account behaviors, vCredit® enables businesses to optimize loan approvals, minimize default risks, and expand acceptance to underbanked or non-prime consumers. With our solution, you can drive portfolio growth by identifying risks and opportunities not captured by conventional methods, ensuring better-fit product placements and smarter credit line decisions. As part of our give-to-get data model, vCredit® provides tremendous value to lenders and financial service providers by leveraging shared network insights to improve decision-making and enhance customer outcomes.

vCredit® is a low friction, predictive credit risk score that integrates proprietary bank account and payment intelligence from ValidiFI’s data network. By analyzing a historical view of past behavior and considering current circumstances, vCredit® helps:

- Make optimized consumer credit line offers
- Identify best-fit product placements
- Expand consumer acceptance
- Optimize loan approvals while minimizing risk