OneScore for Alternative Finance
OneScore leverages Equifax Amplify AI to deliver a multi-data credit score for alternative finance lending.
Score More Customers with Confidence
OneScore for Alternative Finance is a next-generation, cloud-based credit risk score designed to help alternative finance lenders approve more applicants without raising risk thresholds. By combining traditional credit history with exclusive alternative data from Equifax—including DataX, Teletrack, telecom, and utility payment data—OneScore provides a more complete view of consumer creditworthiness.
Built with advanced machine learning, OneScore empowers lenders in short-term lending, lease-to-own, subprime fintech, and traditional finance to grow portfolios, improve risk assessment, and deliver faster, more efficient underwriting.
When used in combination with traditional credit data from Equifax, OneScore for Alternative Finance can deliver significantly higher predictability than other alternative data scores.
48% KS lift in short-term lending.
66% KS lift in lease-to-own.
45% KS lift in subprime fintech.
Unlock Growth Across Lending Segments
From fintech startups to traditional lenders, OneScore for Alternative Finance equips a variety of organizations to expand their lending reach, minimize risk, and serve more consumers responsibly.
Short-Term Lenders
Confidently approve more applicants while reducing early delinquency rates.
Lease-to-Own Providers
Improve segmentation and predictive accuracy with a 66% KS lift.
Powered by Alternative Data and AI
Expand Your Market. Reduce Your Risk.
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Next-Gen Credit Scoring
A next-generation score that combines traditional and alternative data to help you score more consumers and confidently boost approvals.
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