Application Title

Credit Application and Automated Credit Decision Support 

Description

In this example, our credit application is submitted and the automated Credit Decision Support System automatically returns a decision. This can be integrated with a webstore, allowing a prospective customer to apply for financing and get an immediate decision, or for marketing and service staff who do not need to know how to read a credit report.  This application will pull credit data from a bureau and display a decision on your web browser within seconds.

Alternatively
CreditPort can be integrated with other decisioning products, such as Trans Union's Acquire product.  Acquire allows users to set up a matrix of lending habits and returns offer information to the web user.  The user can either be an employee of the institution, or a customer applying over the Internet.  CreditPort provides a unique delivery system that is both fast and secure.  Acquire has the advantage of not accessing credit information that requires permissible purpose.

Details
The look and feel of the application can be tailored to your site's look and feel.  While our expert staff of web designers and developers can custom build the application and credit decision page for your company, you can also call a generic form and report within a frame in your application.  This method allows you to build graphics around your form, and still look like your own site with no customization at all.  As in this example, CreditPort is displayed in a frame within our website, making it appear as a natural element.

Frequently Asked Questions
Q. What is the decision based on?
A. In this example, the decision is based purely on a range of three scores.  Two different offers are made, based on the credit worthiness of the applicant (a lower credit risk returns a better credit offer).  The Poor Credit applicant not only receives a declined notice, but instantly sees the reason why and given the credit bureau's information.

Q. What if my credit decision are more complex?
A. Test data is restored by the credit bureau to its original state approximately every day, so data will not always be the same.