When making decisions about consumers and small businesses across the life cycle, many businesses rely solely on traditional credit data information. While that may prove useful, it doesn’t provide a complete view of creditworthiness.
Our full-file public data records aggregate data directly from more than 1,400 different government municipalities at the county, state and federal levels across the United States into an easily accessible format.
With deeper insight, you can more accurately assess the creditworthiness of consumer and commercial clients, minimize risk by determining a customer’s ability to pay and enhance your overall decisioning.
With the addition of full-file public records data and public business records, you can form a complete evaluation of a consumer or business to determine their ability to repay debt.
Having further insight into your customers’ payment behaviors and preferences allows you to individualize and optimize the customer experience.
Our public record data includes bankruptcy filings, judgments, liens, corporate records, Secretary of State (SOS) filings, fictitious business name filings, Uniform Commercial Codes (UCC) filings and court filings.
Read our latest white paper to gain insight into lenders’ and consumers’ perceptions of alternative credit data attributes, including full-file public records data. We explore use cases across the lending life cycle, fraud and regulatory updates and how alternative credit data is being used to reduce financial volatility in times of extreme uncertainty.