Lending Science DM's Scoring Solutions
Innovative analysis and advanced statistical techniques to deliver solutions that are unique to each client.
Everything You Need to Know about Scoring, Collections, and More.
Get your copy of our white papers.
Business Consulting & Modeling
Predictive Model Development
Effective decision strategies are critical to maximizing the success of...
Predictive Model Development
Decision and Pricing Strategies
Effective pricing strategies can improve profitability by differentiating...
Decision and Pricing Strategies
Model Validation
These results tell you how well your scorecard is working and whether...
Model Validation
Portfolio Monitoring
Derive the maximum value from your portfolio by thoroughly understanding the business results...
Portfolio Monitoring
Performing Sensitivity Analysis
Testing new strategies and understanding the ramifications of a decision...
Performing Sensitivity Analysis
Basel Analysis
Validations and reviews of Probability of Default models to meet Basel requirements...
Basel Analysis
Automating Manual Decision Processes
Manual decision processes are slow, expensive, and subject to the...
Automating Manual Decision Processes
Scoring Workshops
Consultants train management as well as new or inexperienced staff in the appropriate...
Scoring Workshops
Our Products & Services
Score360®
Score360®
Score360® is a scoring and attribute engine for rapid implementation and deployment of scorecards, strategies, and credit bureau attributes. Score360 is available for real-time or off-line decisions. Several features are available depending on your business requirements:
- Library of over 1,100 comprehensive and state-of- the-art tri-bureau credit attributes developed by Scoring Solutions which our customers have found out-performs other libraries in the marketplace for inclusion in models
- All the system functionality needed to quickly and accurately implement the custom scorecards that we develop for you
- Ready-to- use interfaces to consumer and commercial credit bureaus
- Fast implementation of custom interfaces to internal databases and other data sources
- Maintenance of a historical database for reporting and scorecard validation including a performance feedback loop
- Standard and custom scorecard monitoring and validation reports
- Programming of scorecards and score-cutoffs and delivery of decisions and strategies
- Workflow tools to ensure that the scoring process works as designed
- Fully tested interfaces, credit bureau attributes and scorecard calculations
- Model development attribute calculator (standardized for tri-bureau use)
- Updates to models, as needed
- Suite of ready-to- use Expert Models for various industries and product lines
- Secure data transfer protocols
- Quick decision turnaround time
For off-line processing such as the scoring of existing accounts to prioritize collections and recovery strategies, Scoring Solutions hosts the solution and returns results within 24 hours of receipt of the file from customers. For real-time processing, the module can be licensed and placed behind your firewall or hosted with one of our partners.
Credit Bureau Attribute Processing
Credit Bureau Attribute Processing
Applicant Scorecards
Applicant Scorecards
Bankruptcy Scorecards
Bankruptcy Scorecards
Behavior/Collection Scorecards
Behavior/Collection Scorecards
Small Business Scorecards
Small Business Scorecards
Custom Segmentation Analytics
Custom Segmentation Analytics
Expert Scorecards
Expert Scorecards
Marketing (Risk/Response/Revenue) Scorecards
Marketing (Risk/Response/Revenue) Scorecards
Profitability Scorecards
Profitability Scorecards
Recovery Scorecards
Recovery Scorecards
TransUnion Energy, Telecommunications and Wireless Models
TransUnion Energy, Telecommunications and Wireless Models
What Do Our Clients Get?
Your Benefits
Improved Loan Performance
Better Implementation of Highly Predictive Models
More Accurate Underwriting
Better Implementation of Credit Bureau Attributes
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Whitepapers
Improving Credit Scores
For small and micro business lenders.
Cost Efficient Collections on Early Delinquent Accounts
Faster, more flexible collections is the goal.
Collection Agencies
Making The Most of Recovery Opportunities.
Measuring The Power of Scorecards Predictive Measures
Key issues related to the use of these.
Validating Credit Scoring Models
A Comparison of Alternative Methods
A Brief Comparison of Scorecard Predictive Metrics
We consider four of the most common.
Student Loans
How Credit is Impacted.
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TEST LAB
Attributes
for Lenders