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.

Score More Consumers, Better

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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

21%
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 score¹ without incurring additional risk. 
 
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
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Get More Predictive with OneScore from Equifax

Uncovering new opportunities requires robust consumer financial profiles. But without the right data, knowing which consumers may be ideal candidates for loan products can be challenging. With OneScore, greater opportunity is just a score away. 

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

Work with our specialized team of analytics consultants to understand the lift you can realize by using OneScore with your credit-seeking populations.

Insights Blog

Utilizing Multi-Data Assets for Credit Risk

Access expanded data sets and advanced analysis for a more holistic view of credit risk.
Discover Resources

 

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

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