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OneScore Cloud AI

OneScore leverages Equifax Amplify AI to deliver a multi-data credit score that provides more predictability

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Unlock the Potential of Alternative Data for Better Credit Decisions

Lending today is about uncovering new opportunities. To do that, lenders need new ways to evaluate, segment, and reduce risk. By leveraging the power of Equifax Cloud and insights beyond the traditional credit file, you can expand your view of consumers to unlock growth in new areas. This is a next-gen risk score pairing industry-leading, traditional consumer credit attributes with differentiated alternative data sources and AI.
Make Profitable Risk Decisions
With one simple risk score backed by advanced modeling technology.
Boost Approval Rates
By scoring more consumers through alternative data insights.
Better Segment Applicants
To refine credit terms, and interest rates.
Reduce Friction
In the application process by quickly determining the best product and terms for each consumer.
Broaden the Lending Pool
To include underserved populations, such as thin, no-file, and credit repairers.
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more applicants could be made scoreable with OneScore compared to a traditional credit score alone.

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Onescore provides a 10% KS lift compared to a traditional score, enhancing the ability to identify consumers who should be swapped out.
 

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more applicants can be approved when OneScore is used in combination with a traditional risk score without risk.

How It Works

Score More Consumers, Better

Leverage the power of alternative data and advanced machine learning to improve credit approvals and reduce risk. With OneScore you get deeper insights.

Score More Consumers to Make your Portfolio More Profitable

Our powerful, multi-data risk score, leverages differentiated data including telco, pay TV, and utility data, plus alternative finance data. It can be used as a standalone score or combined with traditional consumer credit data for even better performance.

Frequently Asked Questions

Alternative data or differentiated data  is financial history and payment information that isn’t included in traditional credit scoring models. Leveraging alternative data could shift 8.4M more U.S. consumers into scorable credit bands.

You can fuse alternative data from OneScore with your existing score for deeper insight without data redundancy. Or, you can enhance your existing proprietary models by adding alternative data attributes from Equifax.

Many consumers with limited traditional credit history may have lengthy histories of reliable payments in other areas, such as telco, utilities, pay TV, and short term loans.

OneScore provides up to 24 months of trended credit data and activity.

Lenders using OneScore can realize up to 21% more* scorable applicants, 10% KS lift* in predictability*, and 15.5% more approvals without increasing bad rates. All of which can help uncover millions in revenue and help protect portfolios.

Related Resources

eBook

Discover Why Alternative Data Is the Key to Growth

Here are five reasons why leveraging alternative data is no longer optional. It’s imperative for your lending practices.
See the Five Reasons

Case Study
147 KB
Case Study
Better Predict Delinquency by Using Alternative Data Risk Score for Origination
Infographic
Infographic
Get More Predictive with OneScore from Equifax
eBook
4746 KB
eBook
Fuel Customer Growth - Lender Playbook
eBook
eBook
5 Reasons To Incorporate Alternative Data Into Your Lending Practices
Case Study Infographic eBook eBook eBook
View All Resources (6)

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See How Our Solutions Work

With Credit Risk, we help you have the right data — and data is what Equifax does best. Leverage consumer credit data covering 245+ million consumers to approve 20% more applicants.

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