Decision Insight is a desktop credit decision tool designed to process new account applications instantly based on a powerful combination of business credit data, consumer credit data (optional), and user-defined scoring matrices. Decision Insight enables you to automate credit approval and/or pre-approval decisions based on rule-sets that you establish during installation of the software. Decision Insight virtually eliminates manual credit evaluation by applying specific decisions and/or instructions that you decide in advance, to assure consistency within your credit policy guidelines.
Decision Insight is an excellent solution for:
- Companies that want to automate their credit decision process beyond pass/fail credit scores, and don't have the resources to build a custom solution from scratch
- Companies that need the power of a multi-user platform that provides the power of a customized and automated solution without purchasing software
- Companies that want the ability to pre-approve, cross-sell, and up-sell products at the point of transaction
Robust & Custom Credit Criteria
Decision Insight uses a combination of credit scores and critical credit criteria to automate your credit policy decisions. The information available for use through Decision Insight includes:
- Intelliscore Plus
- Intelliscore Plus-Blended
- Lease Decision Score
- Small Business Lease Decision Score
- Bankruptcy, judgments, liens and collections
- Months on file
- Inquiries in last nine months
- Highest DBT in last six months
- Number of active tradelines
- High credit balance over the last 12 months, or average balance for the past 5 quarters
Robust Management Reports
Valuable statistical reports are accessible, so you will have the opportunity to adjust decision criteria when needed.
- Daily activity reports list all transactions during the day
- Monthly statistics reports list accounts approved/disapproved for each decision rule
Client Friendly Application
- Decision Insight is available via CPU-to-CPU, or online through Experian BizApps application.
- There are minimal requirements for coding CPU-to-CPU, and internet clients will benefit from an intuitive, user-friendly interface.
Getting Started is Seamless and Fast
- Define and implement your credit criteria into Decision Insight in a matter of hours, even if you're not a techy
- Customize your credit criteria using our templates as a starting point
- Editing your criteria is easy and fast
- Call on us to help you customize your criteria, rather than trying to figure it out alone