Bankruptcy Navigator Index 5.0
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Predict Bankruptcy Risk and Strengthen Portfolio Resilience
Bankruptcy Navigator Index 5.0 (BNI 5.0) is a consumer credit risk score built to predict the likelihood of bankruptcy filings within the next 24 months. Leveraging vast consumer data, trended insights, and patented NeuroDecision® Technology, BNI 5.0 enables financial institutions, fintechs, and lenders to identify high-risk individuals earlier, optimize credit approvals, and proactively manage their loan portfolios.
Whether used for acquisition, account review, or collections prioritization, BNI 5.0 delivers highly predictive, compliant insights that support competitive, data-driven lending strategies.
Bankruptcy filings increased 14.2% in 2024 after a decade of decline.
U.S. non-mortgage consumer debt hit $4.63 trillion in 2025.
Consumer bankruptcies account for nearly 50% of total credit losses.
Bankruptcy Risk Solutions Tailored to Your Business Needs
Discover how our advanced tool helps you proactively predict consumer bankruptcy, improving both new loan originations and existing account management.
Auto Lending
Evaluate applicant risk before extending credit for vehicle purchases and increase collections on distressed loans with data-driven prioritization.
Retail Banking
Improve loan and credit card originations by identifying risky applicants early. You can also monitor existing accounts to prevent defaults and boost retention.
Advance Your Business With Powerful, Predictive Analytics
Expand Access to Credit with Alternative Data
We can help you see beyond traditional credit to discover emerging risk and opportunity, expand your current customer relationships and grow your business.
Minimize Credit Risk, Maximize Lending Confidence
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