Credit Decisioning: MeritScore

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

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Provides Pricing and Underwriting Opportunities

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  • 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.

Increase Loan Originations

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

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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

 

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Reduce Portfolio Risk

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

reduce profit lost

Use Cases

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LENDING AND CREDIT

Swap-In/Second Look Lending
Swap-Out Lending
Credit measure for mortgages

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PROPERTY MANAGEMENT

Credit measure for rentals

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INSURANCE

Alternative credit measure

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