Good morning / 24.07.08
Corporate Solutions
Corporate Solutions
At last - web based consumer credit information that's brought to you via the Internet, giving you access to high quality data 24 hours a day, 365 days a year.
Would you like to be able to assess your customer's credit profile? Then CallReport from Callcredit provides the information you require to assess your customer's likelihood of fulfilling their credit commitments.
CallReport is a credit report which confirms an applicant's name, address and the presence or absence of any adverse public data. One of CallReport's unique features is CallScore, a Fair Isaac score that helps you to make faster, more consistent and more profitable credit decisions by rank-ordering consumers according to their relative risk of credit default. As a basic identification, verification and authentication service, CallReport is a valuable tool to a whole range of industries dealing with consumers.
Would you like to know more about your customer's credit profile? Then SHAREReport from Callcredit provides you with the information you require to assess your customer's likelihood of fulfilling their credit commitments, including details of their previous payment patterns and debts over the past six years.
Like CallReport, SHAREReport is a credit report which confirms an applicant's name, address and the presence or absence of adverse public data. However unlike CallReport, SHAREReport also shows the applicant's record of payment of his credit commitments - loans, credit cards, mortgages etc. To access this credit account performance data you must belong to the SHARE closed user group. As a SHARE member, you will have access to one of the most comprehensive information databases in the UK. Also included in the SHAREReport is the applicant's CallScore, a Fair Isaac score based on public data and shared account performance data (full or partial) that rank orders consumers according to their relative likelihood of credit risk.
Credit scoring examines historical data to make forecasts about future performance, such as the likelihood that a consumer will miss loan payments. Credit Bureau risk scores such as CallScore are widely regarded as essential building blocks for devising successful origination and customer management strategies by credit grantors. They play a pivotal role in billions of business decisions each year. With the accurate, reliable and fast credit risk assessment provided by such scores, credit grantors are empowered to make more profitable, automated decisions regarding applicants and customers.
CallScore rank-orders UK consumers by their likelihood to repay credit obligations as agreed. CallScore leverages Callcredit's database of UK consumer credit profiles and demographic information in combination with Fair Isaac's predictive analytic expertise to assess each consumer's relative likelihood of default. With CallScore, you reap the benefits of advanced predictive analytics, based on the data of millions of consumers, without shouldering the expense of custom development, testing and maintenance.
With Callcredit's Application Programming Interface (API) you can automatically access and integrate our software solutions and our extensive datasets using your existing platform.
Right from the outset, our API has been web-enabled, buying into current 'best of breed' IT technology, meaning integration with the Callcredit API doesn't require specialist infrastructure or an expert skill set. Because it's web-enabled, the API allows information to be sent efficiently and easily to the point of decision.
Callcredit's Bureau Summary Block delivers a multitude of summarised fields, providing pre-processed data for use within your scoring and decisioning software.
Web-enabled and deliverable directly through Callcredit's API, the Bureau Summary Block (BSB) can be sent effectively and easily to the point of decision.
CallDecision is a leading edge, web-enabled, parameter driven application processing solution developed by Baycorp Advantage.
CallDecision uses definable parameters to drive all credit processes, providing user control over all policy rules, scorecards, referral queues, underwriting standards, product rules and the decision process itself. This flexibility leads to lower costs for adjustment and maintenance, whilst the modern architecture, based on Windows NT servers and relational databases, ensure speed and ease of deployment.
CallDecision also has the ability to implement decisioning for multiple product portfolios within one decisioning engine.
Do you know enough about the transactional behaviour of your customers? Callcredit's suite of bureau scores will provide you with the tools you need to drive more profitable and proactive customer management strategies.
Case studies have shown that using external bureau data together with internal behavioural scores can reduce losses by up to 44% and increase net revenue compared to using behavioural scores on their own. Callcredit can offer this service as part of the monthly SHARE update process and to add further value, we can offer consultancy services via our strategic partner Fair Isaac, experts in scorecards and analytics.
Do you struggle to recover bad debts? Do you find your customers have moved without providing a forwarding address? Now you can find your debtors and locate your existing customers with CallTrace, Callcredit's flexible tracing service.
CallTrace uses Callcredit's powerful Trace database, which contains millions of linked addresses that are updated on a continuous basis. These address links are formed from a variety of dynamic sources.
If something happens to your customer's profile that is likely to affect your view of their creditworthiness, wouldn't it be better to know immediately rather than to find out at the end of the month? Now you can with CallMonitor, a daily alert service from Callcredit.
By enabling you to monitor events such as missed payments, significant total balance changes, new CCJ's, bankruptcies and CIFAS filings on a daily basis, CallMonitor is an aid to responsible lending, helping you to protect your customers from over-indebtedness. It can also help you to identify early signs of fraudulent activity in addition to putting you in a position to effectively deal with bad debts.
Are you making credit risk decisions on individual customers without an awareness of the debt that those customers hold elsewhere and the repayments they are making? Are you finding that some customers fall into arrears shortly after taking out new lending facilities with you? By using CallOI from Callcredit, you can protect your customers from becoming over-indebted, and protect your organisation from taking on debt which consumers may not be able to service. Developed in response to the Government's DTI report outlining the concerns about consumer over-indebtedness, CallOI is one of a suite of products from Callcredit which seeks to assist organisations in managing the risk of lending to people with high, or potentially high, levels of indebtedness. CallOI is a powerful tool which identifies relative indebtedness for each consumer in the UK
GeoRisk is a powerful new tool that helps direct marketers target customers more effectively. Developed by Callcredit, GeoRisk has applications in marketing, CRM, decisioning and fraud solutions.
By uniquely combining credit, demographic, and lifestyle datasets, GeoRisk provides the ability to profile consumers at postcode level more accurately than ever before.
For members of SHARE, Callcredit's closed user group, key information regarding credit account payment status, product ownership and geographical penetration is provided in line with credit industry guidelines
CallADEPT from Callcredit is the UK's first dedicated independent bureau solution for Debt Sellers/Buyers and Utility companies.
The UK bought debt market has grown exponentially over recent years and this competitive market has seen prices steadily increase. Most buyers base their pricing on the performance of an already worked comparable book. This carries one major risk: How does the buyer know the sale book is comparable to the historical book? Furthermore, are the sellers getting the best prices for each book, or risking their brand by accepting unattainable prices? If the buyers were able to work the books more efficiently would the sellers receive a better price?
CallADEPT was developed to offer neutral transparency to both the seller and buyers and to facilitate the in-house management of consumer debtors.
For further information about any of our credit risk products, please call us on 0113 244 1555, or email us at sales@callcredit.co.uk
Callcredit is committed to offering leading-edge application processing solutions, decision engines, marketing pre-screening products, and fraud and authentication solutions, and is actively working with alliance organisations to bring these leading-edge solutions to market. We would be very interested to hear from clients, to better understand your product needs - in particular, how we can continue to improve on the products currently available within the marketplace. Please contact us at ideas@callcredit.co.uk.
Callcredit has already carried out supplier assessments in certain product arenas, and is actively looking for new business alliances in other areas. We would also be very interested to hear from potential alliance organisations that wish to work with Callcredit, or have data sources that they feel would be of benefit to us. Again, please forward contact details via email to ideas@callcredit.co.uk.
