Products / IckScore

IckScore

Your new credit-history score and data.

Developed with our proprietary machine learning algorithms, IckScore helps you grow your portfolio with lower first-payment default (FPD) and higher ROI, across online leads and direct mail.

Request a free retro test →
Applicant credit profile7-YEAR HISTORY
726ICKSCORE300850
Inquiry historyStable
Tradeline historyGood
Payment historyStrong
PII change frequencyLow
ACTIVE
4
PAID OFF
11
WRITTEN OFF
0
RECOVERED
1
350K+
daily inquiries processed
↑50%+
improvement in ROI & FPD
↑25%+
growth in portfolio size
How it works

Use credit history data to make a smart credit decision.

INPUT · REQUESTJSON
{
  "customer_name": "John Doe",
  "dob": "01/01/1980",
  "ssn": "xxxxx1234",
  "email": "[email protected]",
  "phone": "(555) 010-2030",
  "address": "123 Main St, Anytown, CA 90000",
  ...
}
IckScore
ML ENGINE
OUTPUT · RESPONSEJSON
{
  "score": 726,
  "inquiry_history": {
    "inquiries_30d": 1,
    "inquiries_12m": 4
    ...
  },
  "trade_line_history": {
    "active": 4,
    "paid_off": 11,
    "written_off": 0,
    "recovered": 1
    ...
  },
  "payment_history": {
    "completed": 58,
    "returned": 2
    ...
  }
}
IckScore outputs

Everything behind the number.

A

IckScore

Ranges from 300 to 850. The higher the score, the higher the probability of repayment.

B

Summarized credit history

PII change frequency plus summaries of inquiry, tradeline and payment history.

C

Inquiry history detail

Statistical details of all of a consumer’s inquiries for up to 7 years.

D

Tradeline history detail

Tradelines by status (active, paid off, written off, recovered) for up to 7 years.

E

Payment history detail

Repayments by status (completed or returned), with return code and return reason.

F

600+ CRA attributes

A rich attribute set alongside the proprietary score, for your own models and strategies.

Works for every consumer lending product
Simple API integration, live in days rather than months.
InstallmentPaydayLine of creditAuto loan

See IckScore on your own data.

Send us sample files and we will append the scores and attributes.