Creditinfo Decision

The Creditinfo Predictor suite of models provides highly predictive indices for risk and marketing across Europe. There are universal risk models;

for business in Czech Republic, Slovakia, Iceland, Greece & Lithuania; and for individuals in Iceland and Lithuania. CIP is used by thousands of businesses across Europe as the basis for their decisions. These decisions include initial credit decisions, limit assignments, monitoring and portfolio analysis as well as marketing applications.

The CIP models are generally made up of 2 sub models, one for small and medium enterprises and one for companies that provide financial statements. Creditinfo Decision is innovative in the use of data, generating highly predictive indicators to improve the management of your business.

BUSINESS WITH FINANCIAL STATEMENTS

The submission of financial statements provides an excellent understanding of a business from the perspective of profitability, leverage, assets etc. Furthermore, Creditinfo Decision has used their experience to know it is important to have a deeper and more dynamic perspective of a business including payment information and enquiries for credit in the development of our models.

SME BUSINESS

SMEs are critical for the economic wealth of a country, but are particularly difficult to assess from a risk perspective. In creating CIP for these companies Creditinfo maximized the often restricted amounts of data available.

Creditinfo Predictor for Individuals provides the most powerful and effective way of assessing the information held on Creditinfo credit bureaus.

Evaluating credit bureau data is an integral part of the consumer lending process. The potential of this data goes far beyond the existence, or not, of historic bad payments. The in-depth analysis performed by Creditinfo Decision as part of the development of CIP for Individuals unlocks the full power of the data. This includes economic data, credit activity and demographic information.