Make Smarter Utility Account Decisions with Greater Confidence
OneScore for Energy is a multi-data risk score designed specifically for utility and energy providers to assess consumer credit risk during account origination. By combining traditional credit data with exclusive alternative payment insights from telecommunications, utility, and pay TV providers, OneScore for Energy helps organizations evaluate an applicant’s likelihood of becoming seriously delinquent on a new utility account. Utility providers can use OneScore for Energy to set appropriate deposit amounts, segment customers for rate plans and promotional offerings, and streamline onboarding decisions. The result is a more balanced approach to risk management that helps organizations reduce losses while creating a better customer experience for both established and underserved consumers.
Up to 2.8% increase in scorable population compared to our legacy industry score
KS lift of up to 13.7% when compared to our legacy industry score, illustrating increased predictive power*
Up to 15% decrease in bad rate when using Onescore for Energy for selected applicants**
*Based on Equifax analysis of credit-scorable population using OneScore for Energy on a model sample of 2,242,370 consumers. Results may vary based on actual data and situation.
**When holding deposit cutoff rate for the bottom 30%.
Purpose-Built Risk Insights for Energy Account Origination
OneScore for Energy helps utility providers make smarter account opening decisions with industry-specific risk insights that go beyond traditional credit scores.
Built for Modern Utility Risk Assessment
OneScore for Energy uses advanced analytics and multiple data sources to provide a more complete view of consumer risk at account opening. The score combines traditional credit information with 24 months of trended credit data and alternative payment insights, helping organizations evaluate risk beyond a standard credit file snapshot.
For credit and collections managers, the score helps establish deposit strategies that align with actual risk levels. Revenue and recovery teams can identify higher-risk applicants earlier and make more informed decisions to reduce future delinquencies. Credit policy analysts gain deeper visibility into applicant behavior, while utility rate analysts can segment customers for rate plans and promotional offerings based on demonstrated payment reliability.
With visibility into more than 38 million thin-file and credit-invisible consumers, OneScore for Energy helps utility providers expand access while maintaining strong risk controls. When paired with identity verification solutions, it also supports a comprehensive onboarding process that verifies identity and evaluates risk in a single workflow.
Improve Utility Account Origination Performance While Reducing Risk
Today's utility providers need to balance portfolio performance, operational efficiency, and customer experience. OneScore for Energy helps achieve all three by delivering stronger predictive accuracy, broader consumer visibility, and more informed account opening decisions.
Purpose-built for the utility industry, the score can increase scorable populations, improve risk segmentation, and support more precise deposit strategies that reduce unnecessary customer friction while protecting revenue. Organizations can confidently assess credit-invisible and thin-file applicants, optimize rate offerings, and identify risk earlier in the customer lifecycle.
Whether your goal is reducing bad rates, improving approval strategies, or creating a more seamless onboarding experience, OneScore for Energy provides the insights needed to make smarter decisions from the very first interaction.
Frequently Asked Questions
Related Resources
National Consumer Telecom and Utilities Exchange
NCTUE is an FCRA-compliant data exchange managed by Equifax, where telecom, pay TV, security, and utility providers share account data to enhance consumer risk assessment.