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MasterScore® v2

Automate and improve credit decisions. Leverage the predictive power of loan and lease data in one of the industry's largest commercial databases to reduce losses and safely expand approvals across industries.
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Smarter Credit Decisions, Powered by Data

MasterScore v2 is an advanced commercial credit scoring solution built from one of the largest datasets of term debt leases and loans ever compiled. Designed to predict 90+ days past due (DPD) on a three-digit scale, it analyzes the borrower factors most predictive of repayment. 

With 587 variables, including 135 unique factors, and 29 specialized scorecards developed from more than 3 million transactions and 135,000 defaults, we help organizations automate decisions, onboard customers faster, and mitigate delinquency risk across industries.

Predict Risk with Accuracy
Assess repayment likelihood more precisely to make better decisions.
Automate Decisions
Speed up onboarding with real-time, data-driven scoring.
Leverage Alternative Data
Use differentiated data assets for a more complete risk profile.
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37.7% fewer losses vs. typical credit score without reducing loans.

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17.7% increase in approvals without increasing defaults.

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29 specialized scorecards built based on borrower industry, size, age, or combination.

Driving Impact Across Industries

From banks to fintechs to retailers to service providers, MasterScore v2 powers faster, safer credit decisions and reduces losses at scale.

Banking & Lending

Improve portfolio quality while reducing delinquency risk.

Fintech & Digital Lenders

Enable instant approvals and grow responsibly.

How MasterScore v2 Works

We combine broad, deep credit data with advanced analytics to predict severe delinquency. By analyzing repayment behavior across millions of loans, it generates a three-digit score tailored by industry and borrower profile. This enables lenders to make faster, more accurate decisions across acquisition, underwriting, and portfolio management.

Why Choose MasterScore v2

Unlike typical commercial scores, MasterScore v2 leverages the largest pool of loan and lease data to deliver superior predictability. It empowers lenders to approve more good customers, minimize losses, and automate decisioning across industries—making it a powerful tool for profitable, sustainable growth.

Comprehensive Risk Management

MasterScore v2 equips lenders to onboard customers quickly, reduce delinquency losses, and safely expand approvals. Built on differentiated data and analytics, it delivers unmatched predictive power and industry-specific adaptability to drive growth with confidence.

Frequently Asked Questions

MasterScore v2 is a commercial credit scoring solution that automates and enhances credit decisions. Built from the largest pool of term debt leases and loans, it predicts the likelihood of borrowers becoming 90+ days past due.

It delivers superior predictive scoring, resulting in 37.7% fewer losses without reducing loans and 17.7% more approvals without raising defaults, using 587 variables and 29 scorecards.

It is based on 3M+ transactions and 135K defaults, enabling a uniquely large and predictive development sample for robust modeling.

Case Study

See MasterScore v2 in Action

Explore how Equifax helped an alternative finance lender expand into equipment financing. The lender used MasterScore v2 and our expertise to launch a new lending portfolio.
Unlock the Strategy

Product Sheet
Product Sheet
Equifax MasterScore® v2 Productsheet
Case Study
Case Study
Leveraging aggregated data and analytics for faster decisioning and reduced costs
Case Study
Case Study
Launching a new lending portfolio with better decisioning data
Product Sheet Case Study Case Study

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Help spot immediate and future risk with the Equifax Business Credit Report
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Explore the Main Street Lending Report

Unlock broader insights into lending and market dynamics to help inform your credit decisioning.

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