Scoring Solutions

PSCU Scoring Solutions

Access cardholders’ scores easily for use in your credit granting and management decision activities. Automates the credit bureau data-gathering process through a portfolio review tool that gives you the most up-to-date predictive scores available to make more informed account decisions.

  • Partnership – PSCU’s partnership with three world-class credit bureaus (Equifax®, TransUnion®, Experian®) helps credit unions take the risk out of credit card portfolio management decisions
  • Attributes – Gather attributes such as individual monthly income, debt-to-income ratio and disposable income for use in the credit line management strategies and adaptive control decision areas

Scoring Solutions Offerings

  • Score Source – Empowers credit unions to more effectively manage credit lines, collections and account repricing strategies and develop more tightly focused and successful targeted marketed campaigns
    • Credit Bureau Scores – Leverage credit bureau score data developed by FICO, VantageScore Solutions, LLC and the three credit bureaus to offer the most advanced, updated score models in the marketplace.
      • FICO Score Models
      • VantageScore® Score Models
        • VantageScore 4.0 Score Model – Trended data
    • Bankruptcy Scores – Predicts the likelihood of a consumer filing for bankruptcy over the next 24 months.
      • Score Model offered by the three credit bureaus
      • Score Model offered by FICO
    • Ability to Pay Attributes – Leverage cardholder income and debt-to-income attributes for credit line management strategies

Your members deserve the best products & services available.

You deserve a partner who understands every aspect of your credit union. Get everything you deserve with PSCU.

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