Credit Reporting and Scoring

Our credit reports provide all the information you need to assess each applicant's likelihood of fulfilling their credit commitments. They provide more accurate, better quality data than other credit reports in a simple, logical view.

Credit Reporting
As well as confirming the applicant's name, address and the presence of any adverse public data our credit report information show the applicant's payment history on their credit commitments - bank accounts, loans, credit cards, mortgages and other finance agreements - for contributors to Callcredit's SHARE database of financial records.

Credit risk reporting also features a range of other data to provide additional insight into your customers' behaviour.  These include Electoral Roll data, UK Cards Association Behavioural Data Sharing (BDS) information including history of payments and cash advances, geo-demographic risk scoring derived at post-code level, and details of undeclared address links and aliases.

Our credit reports are available on a browser for manual assessment, via API for automated application processing or as a flat file for portfolios for use in credit risk management.

Credit Scoring
Callcredit uses Gauge, which is a series of credit risk scores. These scores provide you with a fast, objective and consistent measure of the credit risk associated with new consumer credit applications and/or ongoing account management, based on the information contained in their credit report.

To find out more about how Callcredit can help you with your credit risk management, please complete our business enquiry form and one of our specialists will contact you directly.