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Insight Score®
The Insight Score, powered by Equifax, gives you the data you need to extend offers to more applicants while getting a deeper view of potential risk.
Designed to help expand access to credit for consumers seeking to finance a vehicle, this industry-specific credit risk score combines proprietary credit data from Equifax with alternative data. Automotive lenders use this score today for American shoppers with “thin” to no credit files and increase their capabilities in extending loan offers to these consumers.
Equifax collects the following alternative data for a more complete consumer financial profile:
- Utilities
- Internet Provider
- TV Services
- Mobile Phone Payment
Process
The Insight Score® employs NeuroDecision® Technology to apply models designed exclusively for the auto industry and helps predict the likelihood of a consumer becoming 90 days+ past due within 24 months of an auto loan being opened.
- Uncover new prospects among your current
“no file, thin file, and unbanked” customers. - Expand your consumers’ access to credit
opportunities by up to 16%. - Evaluate new auto loan applicants with
greater confidence and less risk. - Adjust credit levels among current customers based on a more complete view of the
payment histories and behaviors.
Key Benefits
- Increase your prospect pool and use this score to expand who you can extend loan offers to.
- Increase approvals by up to 67%, compared to a generic risk score.
- Start offering more competitive, personalized offers and improved decision-making and service.
Why partner with 700Credit?
Easiest, most automated credit and compliance workflow in the industry
Access to all three bureaus
One-stop to monitor and manage your compliance obligations
24/7/365 Support Desk