Credit file information doesn't always tell the whole consumer liability story. The changing economy requires that mobile, landline, pay TV and utility companies need to know more about consumers in order to make smart, profitable and compliant decisions. You need comprehensive risk tools to appropriately set deposits, increase activation rates and reduce losses. The Exchange Risk Score™ (XRS) provides unique full-account information specific to the mobile, landline, pay TV and utility accounts. This tool is used as a fused or stand-alone score with traditional credit data gives your organization a 360-degree view you need to make risk decisions across the customer lifecycle. By using XRS, you get a window into the actual payment history of your customers and prospects based on their behavior with other companies in your industry and in your geography.