Experian’s models and scorecards support decision-making at every point in the credit lifecycle ensuring optimal and accurate decisions are made. Monitoring ensures models are always performing, while test and simulation environments push the boundaries to experiment with various scenarios. See what the effect of change would look like while benefiting from increased approvals and lower bad debt.

Tailoring and evolving scores and models

We can help you enhance your scores and models through our best-in-class bureau and open data sources, enriched with advanced analytics and Machine Learning. These data attributes can be integrated into your scores for the utmost insight and confidence. We can also help you monitor and amend your models as your business appetite, the economy, or customer needs change, helping you continually make the best decisions. Our services are designed to help you monitor and validate the health of models that drive business decisions – vital for navigating an unpredictable economy. Target the right people that are more likely to respond to your offers and meet your credit criteria. Acquire the right customers and provide the best offers to increase approval rates while also controlling bad debt. Set optimal credit limits, both for initial limits and limit management, for increased wallet share and reduced risk. Improve recovery rates by determining optimal collections actions and treatments.

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The benefits at a glance

Better, more cost-effective decisions.

Better, simplified information via a single easy to use ranking tool.

Identify model disruption early.

Optimise models to ensure your limit strategies are effective.

Enhance your policy and strategy rules to increase approvals while reducing bad debt.

Prebuilt models to fit your every need – across consumer and commercial credit.

Build, deploy and monitor scores and models, across the customer lifecycle.

Improve confidence and performance across the lifecycle.

Frequently asked questions

Get in touch to find out how Scoring and Models can help your business

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