Consumer Lending

Merchant Credit Reporting

Identify and mitigate credit and fraud risk with our innovative credit risk mitigation services. Whether you provide services/products to businesses or consumers, contact NCS to aid in designing a program for your specific business position.

Whether you provide services/products to businesses or consumers, contact NCS to aid in designing a program for your specific business position.

NCS provides businesses with the credit reporting services they need to analyze a prospective consumer or business’ likelihood and ability to pay.

Benefits:

  • Extend credit to a greater number of users by understanding performing and nonperforming consumer segments
  • Mitigate losses and capitalize on gaining trends
  • Make smart, informed decisions based upon empirical data as opposed to potentially biased or flawed assessments and avoid discrimination pitfalls
  • Tie credit investments to timely and consistently paying consumers
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Credit Risk Mitigation Solutions
Independent Verifications (+)

Get direct manual verifications of prospective consumers’ or businesses source of income, identity and employment data.

  • TRV Services – determine the exact income and asset value of the business or consumer by obtaining a copy of their IRS tax return.
Credit Reporting (+)

Determine payment history, account balances, credit limits and debt load.

Dun & Bradstreet Reports (+)

Understand the finances of a prospective business customer.

UCC Filings (+)

Understand the assets your business prospect currently owns.

Prescreening (+)

Make an instant decision or delay for further underwriting based upon attributes from an applicant’s credit report or multiple other/additional sources of data by using NCS’ decisioning tree.

Income Insight℠ (+)

Receive an innovative and instant income estimation model. Income Insight℠ is a statistically sound and empirically derived estimate of a consumer’s income.

  • Meets Credit Card Act’s requirement to assess a borrower’s “ability to pay”
  • Complies with FCRA and ECOA
  • Delivers an estimated income figure as opposed to an income range
  • Enables assessment of all income sources including wages, investments, alimony and rent
  • Built using bureau-exclusive predictors and verified income data
Debt-to-Income Insight℠ (+)

Debt-to-income ratios are commonly used in mortgage lending, but now you can also leverage this powerful and instantaneous analytic from Experian for credit risk mitigation within your credit department. Debt-to-Income Insight was built using the empirically and statistically sound Income Insight℠ income estimation model and market-leading credit attributes.

  • Determine the consumer’s capacity to acquire new debt
  • Select the type of debt (1st, 2nd mortgage, etc) used within the model
Social Search (+)

An instant database social security number search provided by Experian, Social Search accesses and retrieves information on more than 215 million individual consumer files. Receive a robust background on the SSN holder including:

  • Names and addresses associated with the consumer’s SSN
  • Full date of birth
  • Best known employment source of the number holder
  • All SSNs associated with the consumer

Have A Question?

We’d love to hear from you. Contact an NCS expert or give us a call.

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