Read more on our new credit scoring suite.

The Business Challenge :

You, as a credit provider, need an effective tool which consolidates all credit information and delivers a simple and intelligent guide to assess the credit risk of new and existing customers.

Our Solution :

CompuScore ABC is a leading edge suite of credit bureau scores which predict the probability of customer default throughout the credit life-cycle.

CompuScore.A was developed to predict the probability of a serious default event occurring within 12 months of an account opening. A random sample of 1,000,000 customers who opened a CPA account and 1,000,000 customers who opened an NLR account, between November 2008 and October 2009, were used in the modelling. Out-of-time validations, performed on customers who opened accounts in November and December 2009, ensure the robustness and stability of the finished product.

CompuScore.B was developed to predict the on-going default risk in a 12 month outcome period. The development sample was created using customers having open CPA or NLR accounts at specific observation points. A random 1:50 sample of all consumers holding open CPA accounts and a random 1:15 sample of all consumers holding open NLR accounts were selected. Importantly, multiple observation points spanning a 12 month sample window were used to ensure that the possible impacts of seasonality were accommodated.

CompuScore.C for Collections, will be launching soon.

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Find out how CompuScore ABC can help you consolidate credit information.

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