Insight Score for Credit Cards (ISCC)

Insight Score for Credit Cards (ISCC) is an industry-specific credit risk score that combines proprietary credit data from Equifax with alternative data that includes payment history from the utility, pay TV, and wireless communications sectors which is not available through other third-party providers.ISCC predicts the likelihood of a consumer becoming 90 Days Past Due or worse on a credit card trade within 24 months of account opening.

Coming Q3 2022

 

Insight Scores for Credit Cards (ISCC) is current used by HWB in:

Benefits

Gain more confidence in the approval process, say “yes” to more prospects, and improve servicing to existing customers with this next-generation model for credit cards.

  • Make origination decisions more confidently and approve more card applicants.

  • Expand your credit card prospect pool by augmenting scores with utility, pay TV, wireless phone, and other payment data.

  • Improve marketing and portfolio management with improved predictiveness enabled by AI, trended data, and powerful analytics.

  • Improve the consumer experience through more competitive, personalized offers and improved decisioning and service.

  • Get predictive insights on current customers that help you adjust credit levels and mitigate risk.

  • Better understand a consumer's history of meeting debt obligations.

Additional Resources

Driving more informed decisions to deliver exceptional outcomes.

Only Equifax.