Income Insight℠ and Income Insight Wage℠
Credit-based income estimation models
Experian’s Income Insight℠ and Income Insight Wage℠ models provide an estimation of income based on a consumer’s credit data, which can help you better pinpoint consumers with the greatest ability to pay, leading to enhanced offer refinement and more profitable decisions. Income Insight estimates total income, including wages, rent, investments and alimony, based on Form 1040 information; while Income Insight Wage estimates wage income based on W-2 information.
Target the highest quality prospects with the greatest ability to pay.
Utilize real-time income information to validate borrower-provided income.
Increase revenue by identifying customers who have the capacity to take on additional debt.
Learn more about which Income Insight model is right for you
Knowing a customer’s debt-to-income ratio can allow for more effective targeting and risk management. Debt-to-Income Insight℠ and Debt-to-Income Insight W2℠ models provide an all-in-one assessment of creditworthiness to improve your ability to identify which customers are at or exceeding their credit capacity.
Asset Insight® is an asset estimation model built on bureau-exclusive predictors and verified data. With Asset Insight, you’ll gain a more holistic view of your consumers with an estimate of the amount of liquid assets a consumer has in interest-bearing financial accounts, including checking, savings, brokerage and money market accounts.