Product

OneScore

A multi-data credit score for more predictability
Product Sheet

Product Overview

Lending today is all about uncovering new areas of opportunity. To do that, lenders need new ways to evaluate and segment risk. By leveraging insights beyond the traditional credit file, you can expand your view of consumers to unlock growth in new areas. OneScore from Equifax is a next-generation risk score pairing industry-leading, traditional consumer credit attributes with differentiated alternative data sources — helping you score more consumers and enhance your decisioning power.

Who It's For

Auto

Drive smarter decisions and increase approval rates

Consumer finance

Confidently extend credit in underserved markets

Credit cards

Increase approvals for untapped audiences

Unlock the Potential of Alternative Data

OneScore from Equifax is a powerful, multi-data risk score that leverages differentiated alternative data including telco, pay TV, and utility data + specialty finance data. It can be used as a standalone score or combined with traditional consumer credit data for even better performance.

Powered by advanced analytics and machine learning, OneScore helps you score more consumers, intelligently grow your customer base, and make your portfolio more profitable.

A Multi-Data Credit Score for More Predictability

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 offer for each consumer.

Broaden the lending pool

To include underserved populations, such as thin, no-file, and credit repairers.

By the Numbers - the Power of OneScore

22%
more applicants could be made scoreable with OneScore compared to a traditional credit score alone. ¹
10%
KS lift - when compared to a traditional score, enhancing the ability to identify consumers that should be swapped out. ¹
15.5%
more applicants can be approved when OneScore is used in combination with a traditional risk score ¹
 
¹Equifax data and analysis.
Product Sheet

Introducing OneScore

Advanced scoring and predictability is necessary to stay competitive and protect your business. With OneScore, you can utilize the power of differentiated data assets in a single, configurable consumer risk score to improve credit decisioning and customer experiences.
Product Sheet
eBook

3 Ways Alternative Data Levels Up Opportunities in Lending

Evolving markets push lenders to find new ways to enhance their decisioning. Learn why so many lenders are embracing alternative data — and how to uncover opportunities for growth you might be missing.
eBook

Alternative Data Consumer Credit Score

OneScore from Equifax is a powerful, multi-data risk score that leverages differentiated alternative data including telco, pay TV, and utility data + specialty finance data. It can be used as a standalone score or combined with traditional consumer credit data for even better performance. Powered by advanced analytics and machine learning, OneScore helps you score more consumers, intelligently grow your customer base, and make your portfolio more profitable.

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Take a deeper look at OneScore with a validation.

Connect with our team to improve credit decisioning and profitability.

Insights from Our Experts


Discover industry trends, insights, and customer stories that address business challenges and improve results.
Discover Resources

 

Learn more about our Telco, Utility, and Pay TV Data Exchange

FCRA-compliant account data to help enable more profitable risk decisions