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OneScore cloud

A multi-data credit score for more predictability
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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

Video 

      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
      Infographic

      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. 
      View Infographic

      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. Learn how Equifax can help.
      Video
          Alternative Data is no Longer Optional
          See how Equifax is best positioned to support your organization thru our multi-data solutions, AI leadership, and industry expertise.

          Frequently Asked Questions

          Alternative data or differentiated data  is financial history and payment information that isn’t included in traditional credit scoring models. Leveraging alternative data could shift 8.4M more U.S. consumers into scorable credit bands.

          You can fuse alternative data from OneScore with your existing score for deeper insight without data redundancy. Or, you can enhance your existing proprietary models by adding alternative data attributes from Equifax.

          Many consumers with limited traditional credit experience may have lengthy histories of reliable payments in other areas, such as telco, utilities, pay TV, and personal loans.

          OneScore provides up to 24 months of trended credit data and activity.

          Lenders using OneScore can realize up to 21% more* scorable applicants, 10% KS lift* in predictability*, and 15.5% more approvals without increasing bad rates. All of which can help uncover millions in revenue and help protect portfolios.

          Related Resources

          eBook
          eBook
          6 Tips to Modernize Your Prospecting
          Infographic
          Infographic
          Get More Predictive with OneScore from Equifax
          eBook
          eBook
          5 Reasons To Incorporate Alternative Data Into Your Lending Practices
          Product Sheet
          Product Sheet
          Introducing OneScore
          eBook Infographic eBook Product Sheet

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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

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          Utilizing Multi-Data Assets for Credit Risk

          Access expanded data sets and advanced analysis for a more holistic view of credit risk.
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          Learn more about our Telco, Utility, and Pay TV Data Exchange

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