Bankruptcy Navigator Index (BNI) 5.0 is a Fair Credit Reporting Act scoring model that predicts the likelihood that a consumer will file for bankruptcy within the following 24 months.
This product utilizes a powerful combination of market-leading Equifax consumer credit data and reliable predictive analytics to generate a score for each consumer. This score allows you to independently evaluate bankruptcy risk, which can help mitigate losses and improve your portfolio performance.
Our Technology Can Improve Your Portfolio Performance
The BNI score leverages the latest in data science including patented NeuroDecision Technology® (NDT) from Equifax combined with trended consumer credit data and analytics.
The next-gen data science techniques powering our high-performance predictive model deliver you the reliable, accurate insights you need to help distinguish potentially profitable consumers from those who are likely to cause significant losses.
Protect bank profits from bankruptcy risk and improve overall risk management
Generate More Revenue
Identify profitable customers with greater accuracy using our predictive model
Maximize Portfolio Profitability
Improve portfolio performance by anticipating bankruptcy risk
Make more consistent decisions across the customer lifecycle
Advance Your Business With Powerful, Predictive Analytics
The combined power of Equifax differentiated NeuroDecision Technology and trended data allows you to make better decisions about consumers, more accurately segment customer populations, and better understand consumer risk.
Timely, relevant and reliable consumer insights can help you better predict bankruptcy risk, improve business performance and protect revenues.
Equifax Risk Score
Speed credit decisions with a risk model that predicts the likelihood of a consumer becoming 90+ days delinquent