Credit Decisioning: MeritScore™

The world’s first predictive link between individualized academic data and credit performance

Wave

 

Provides Pricing and Underwriting Opportunities

ven diagram of opporunities

 

  • Solves for the credit invisible population
  • Accelerates Time to Market
  • Delivers Significant Financial Opportunity by Increasing Originations and/or Reducing Risk

MeritScore scaled similarly to FICO.

MeritScore does not use institution of higher education or student’s major to derive a score due to disparate impacts of that information.

Transform Your Business

How it Works

Increase Loan Originations

Expand opportunities to young, thin-file consumers with high lifetime customer value

illustration of increasing loan organization

Use MeritScore as an alternative data source for Second Looks

  • Increase your top-line growth, but not your risk
  • No need to change your core underwriting model
  • Implement MeritScore as an easy parallel effort

 

Reduce Portfolio Risk

Use our highly predictive academic data to drive more informed decisions, resulting in reduced risk and fewer defaults

academic data paired with your underwriting module makes for fewer defaults

Incorporate MeritScore as an alternative data source for young consumers

Use Cases

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FINANCIAL INSTITUTIONS

Swap-In/Second Look Lending
Swap-Out Lending

 

 

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REAL ESTATE

Credit measure for rentals and mortgages

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MARKETING

Enhanced customer segmentation

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INSURANCE

Alternative credit measure

 

 

 

Ready to Get Started?

Let us show you how academic data can transform your business.

Get a Demo