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Now you can determine which accounts are most likely to be profitable and which pose the greatest credit risk with this cost-effective product from Experian. Developed with the comprehensive information from Experian’s consumer credit database, the National Risk Model is an indispensable tool for creating lending strategies that accomplish your portfolio objectives.
Built to improve your credit decision process, the National Risk Model separates your accounts across the spectrum of creditworthiness. It brings confidence, detailed analysis and objectivity to your credit-granting decisions in all phases of the Customer Life Cycle:
The National Risk Model predicts the probability of seriously derogatory credit behavior. It calculates a numerical score on each Credit Profile Report from Experian that indicates the likelihood that an account will become seriously delinquent within the next 24 months.
The model arrives at this score by analyzing the most predictive characteristics of future derogatory account performance. To identify the predictive characteristics found in the National Risk Model, Experian® evaluated hundreds of thousands of credit histories over a 24-month period.