Credit Scoring

Reduce Risk with Real-Time Scoring

CostGuard interfaces with credit repositories including Experian, Equifax and TransUnion to request and process real-time credit scores and credit reports for residential clients. Transactions are sent via HTTPS as encoded XML across the Internet real-time. The information obtained in the credit report is used to allow service providers to define business-specific credit scoring criteria and manage risk. Credit reports are stored in CostGuard and viewable based on permissions.

With CostGuard’s credit scoring and classification capabilities you can:
Use provider-defined credit scoring criteria to allow or limit deposits, new and add-on service selections
Support permissions to override credit scoring requirements
Maintain a complete history of previous credit reports
Have one-click, real-time credit checks from the customer management screen