Unlock the potential of alternative data

Uncover opportunity + see risk from all sides.

Lending today is all about uncovering new areas of opportunity. To do that, lenders need new ways to evaluate and segment risk. By leveraging insights beyond the traditional credit file, you can expand your view of consumers to unlock growth in new areas.

OneScore from Equifax is a next-generation risk score that leverages differentiated alternative data—telco, pay TV, and utility data—plus specialty finance data. It can be used as a standalone score or combined with traditional consumer credit data for even better performance.

Key Benefits

• Boost approval rates for consumers based on proven non-credit payment records.
  
• Make more profitable decisions with advanced machine learning.
  
• Segment consumers to refine targeting, credit terms, and interest rates.
  
• Reduce friction in the application process with faster decisioning.
  
• Confidently lend to underserved populations, such as credit invisible, thin-file, and credit-building consumers.

OneScore helps you score more individuals, intelligently grow your consumer base, and make your portfolio more profitable.