LexisNexis® RiskView™ UK goes beyond traditional credit reference histories with alternative (non-tradeline) sources of data, to provide greater insight into the creditworthiness of an individual.
Over 7 million people in the UK are potentially financially excluded, due to having a limited credit history. We provide a more holistic view of an individual’s actual creditworthiness, enabling businesses to give access to fair and affordable financial services for millions more UK adults.
LexisNexis® Risk Solutions has carried out in depth analysis of its UK data sources, combining two of the UK’s largest Credit Reference Agencies (CRAs), short term loan applications and around 30 alternative public and private sources, to create a unique and comprehensive picture of UK Financial exclusion.
A deeper, richer and more accurate view of customers to inform credit risk assessments
Unlike traditional Credit Reference Agencies’ risk scoring products, RiskView UK does not require consumers to have a previous credit history to provide a risk score and assessment. Instead, it leverages alternative information from our extensive data sources, connects it to customer profiles using advanced statistical linking and uses predictive analytics to help support better credit risk decisions.