Scoring Solutions

PSCU Scoring Solutions

Access cardholders’ scores easily for use in your credit granting and management decision activities. Automates the credit bureau data-gathering process through a portfolio review tool that gives you the most up-to-date predictive scores available to make more informed account decisions.

• Partnership – PSCU’s partnership with three world-class credit bureaus (Equifax^®, TransUnion^®, Experian^®) helps credit unions take the risk out of credit card portfolio management decisions
• Attributes – Gather attributes such as individual monthly income, debt-to-income ratio and disposable income for use in the credit line management strategies and adaptive control decision areas

Scoring Solutions Offerings

• Score Source – Empowers credit unions to more effectively manage credit lines, collections and account repricing strategies and develop more tightly focused and successful targeted marketed campaigns
• Credit Bureau Scores – Leverage credit bureau score data developed by FICO, VantageScore Solutions, LLC and the three credit bureaus to offer the most advanced, updated score models in the marketplace.
• FICO Score Models
• VantageScore^® Score Models
• VantageScore 4.0 Score Model – VantageScore is the first and only tri-bureau credit-scoring model to incorporate trended credit data that reflect changes in credit behaviors over time, and machine learning technology which looks closer into the credit histories of consumers often overlooked by lenders due to lack of credit history.
• Bankruptcy Scores – Predicts the likelihood of a consumer filing for bankruptcy over the next 24 months.
• Score Model offered by the three credit bureaus
• Score Model offered by FICO
• Ability to Pay Attributes – Leverage cardholder income and debt-to-income attributes for credit line management strategies
• Sensitivity Scores – Can help financial institutions more precisely predict a borrower’s resilience during periods of economic disruptions or volatility. This allows financial institutions to discover and manage potential latent risk within groups of members bearing similar credit bureau scores, without cutting off access to credit for resilient members.
• FICO Resiliency Index 2 (FRI2)
• TransUnion’s Acute Relief Score (ARS)