Credit Risk Assessment |
 |
AWARE, the CoreLogic Teletrack proprietary credit reporting database, provides real-time notification of prior searches, open loans and payment performance. |
|
CoreLogic Teletrack credit report provides a credit summary, demographic information, previous searches and credit performance data. |
|
Access risk assessment tools from Experian, including traditional credit bureau search, credit risk assessment and indebtedness assessment.
|
| Credit Scoring |
|
The LendOptix score is a credit risk model built using proprietary, payday loan performance data to provide a summary assessment of credit risk specific to payday lending. |
|
The ExperianSM Delphi score is a broader sub-prime risk score that indicates the statistical probability of the account falling into arrears in the future using data from the broader credit market.
|
| Fraud Prevention & Identity Verification
|
|
Date of birth, home phone, cellular phone and e-mail address are included in the AWARE Credit Report. CoreLogic Teletrack also provides any current and former addresses for the applicant found in the database. |
|
Experian’s Detect performs a check for consistency of application data, verifies these details against Experian’s credit bureau data, and checks with previous applications and sanction databases to produce attributes, an authentication and a fraud score.
|
| Bank Account Validation |
|
CoreLogic Teletrack helps you to confirm the existence of the submitted account and establish a connection between the account and the customer. |
|
Bank Wizard Absolute from Experian provides match indicators for the account type, owner type and set-up date.
|
| Public Record Data
|
|
Our relationship with ExperianSM enables you to access public record data that can help to enhance your risk assessment and identify other credit associated risk. Obtain address confirmation through the Electoral Roll database. |
|
Access County Court Judgments and Scottish Decree information from Experian, as well as Bankruptcy and Individual Voluntary Arrangements that may be associated with an applicant.
|
| Collections |
|
We are focused on non-traditional credit consumers, these consumers are often more mobile than the broader population. Access to the AWARE database provides collection departments, debt buyers and collection agencies with up-to-date information. |
|
DebtorTrace, uses sophisticated data matching techniques to identify and compare a debtor’s reported phone and address to the contact information provided by you. When new data is available, CoreLogic Teletrack forwards this information to you.
|
|
