Expand Credit Insights

Expand Credit Insights

Increase financial inclusion

Broaden your market of qualified credit applications by adding alternative data into your credit-decisioning strategy, while making a positive impact in the communities you serve.

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Determine Assets and Eligibility

How it works

Expand Credit Insights delivers summarized deposit account activity information on no-hit and no-file consumers (little or no credit history), allowing you to expand the insights you consider for lending decisions. The solution helps you offer more loans and extend credit to those without traditional credit scores, while helping those consumers to enter mainstream banking.

Financial service organizations can implement the solution by signing a supplemental agreement and by connecting through an existing integration with TransUnion, Equifax or Experian

All the capabilities you need to expand your lending decisions

Enhanced Expand Credit Insights alerts:

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Response Data (with summarized attributes)

Assess consumer accounts, account balances and NSF status to provide a more holistic picture of financial activity.


 

✓ Data provided:
Summary of deposit-based attributes

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CIP Summarized attributes

Confirm personally identifiable information (PII) data elements match in support of Customer Identification Programs (CIP).


 

✓ Data provided:
Summary of identity attributes to support your CIP program

Increase your customer base

Expand Credit Insights seeks to reduce structural barriers that prevent communities historically underserved by financial institutions from fully participating in the U.S. economy.

Expand Credit Insights use cases

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CREDIT CARD APPLICATION

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PERSONAL LOAN APPLICATION

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PERSONAL LINES OF CREDIT

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UNSECURED LOANS AND LINES OF CREDIT

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SECURED LOANS AND LINES OF CREDIT

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NO HIT: CONSUMERS WITH NO CREDIT FILE AT THE BUREAU

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NO FILE: CONSMERS WITH NO CREDIT REPORT TRADE LINES (BUT COULD HAVE INQUIRIES, PUBLIC RECORDS, OR BOTH)

What it solves

Expand Credit Insights allows you to expand your credit-decisioning criteria by using contributed deposit account data to provide additional credit products to consumers with little or no credit history.

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EXPAND YOUR CUSTOMER BASE

 Approve more credit applicants and present additional opportunities to nurture and expand relationships with your consumers

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INCREASE FINANCIAL INCLUSION

Expand the universe of approved credit applicants by collaborating with other participants to use contributed and shared DDA data as a supplemental credit assessment method

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INCREASE YOUR FINANCIAL INSTRITUTION'S GOODWILL

Make a positive impact for the communities you serve

Discover More

4 Ways a Nuanced Account Risk Assessment Strategy Can Help Banks Reduce Fraud and Spur Business Growth

A Guide to Know Your Customer Compliance

5 use cases for combating deposit and payment fraud in real-time

The Early Warning® Advantage

Leverage 30 years of experience to enhance your new accounting opening strategy.

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Robust data

Early Warning is the Trusted Custodian® of the National Shared DatabaseSM Resource which contains a rich set of data, ensuring our information is always up-to-date.

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Scalable technology

Grow at your own pace! Access our capability bundles through a simple API. Implement once – and quickly deploy additional capabilities in a snap.

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Rich analytics

Our risk assessment algorithms incorporate comprehensive, cross-institution data sets, adding depth and perspective to insights.

Early Warning is the Trusted Custodian® of the National Shared DatabaseSM Resource – which contains a rich set of deposit performance data contributed by more than 2,500 financial institutions including banks like:

Bank of America, Capital One, Chase, PNC, Truist, US Bank and Wells Fargo

Let's talk about how we can grow your financial institution

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