Consumer Lending

Automotive Solutions

Automobile dealers and lenders are looking to NCS for innovative risk mitigation and loan origination tools to qualify more applicants.

NCS has everything needed to screen applicants and assess credit risk, including comprehensive auto credit reports. Supported by all major credit bureaus, NCS tools help you gain insight into any applicant and best structure ideal pricing. Tap into new markets with intelligence reports and risk mitigation products and further enhance profitability.

Consumer Credit Reporting

Gain instant access to consumer and commercial credit bureaus, and sub-prime reports to make decisions.

Supported by all major credit bureaus and sub-prime products, NCS tools help you gain insight into any applicant, and structure the ideal pricing.

Income Analysis (FactCheck™)

FactCheck™ is an invaluable analysis tool that simplifies the self-employed income, making the process an easy and vital part of your risk management strategy. This is an automated cash flow analysis utilizing verified data directly from IRS transcripts.

Debt to Income Insight℠

Debt-to-income ratios are commonly used in mortgage lending, but now you can leverage this powerful and instantaneous analytic from Experian to also mitigate automotive lending risk 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

Verify Applicant

Easily complete this critical process with both instant and manual tools, as well as real-time products that validate or even correct data as you type.

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