Credit Solutions

Supplying New Insights to Make Lending Decisions

As the credit crisis continues, many lending institutions are seeking new metrics to help them manage risk, mitigate losses, and improve account management. 

While existing credit scores and data have their role, knowing your customers’ financial capacity to spend and their ability to pay credit obligations will significantly enhance your firm’s decisioning process and help mitigate losses.

Using our proprietary database of over $24 trillion consumer assets as the basis, IXI has developed new metrics to help lending institutions:

• Identify consumers with significant spending capacity
• Proactively assess consumers’ ability to pay their credit obligations and differentiate seemingly like borrowers
• Offer dynamic account management
• Expand the universe of potential customers and augment the underwriting process  based on ability to pay
• Enhance the accuracy of portfolio valuation
• Improve collections treatment strategies by identifying customers who most likely have the ability to repay their credit commitments vs. those that are likely to default

For over a decade, IXI has worked with the nation’s largest banks, securities, and insurance firms to help them assess risk, increase sales, and discover hidden financial opportunity among their existing customers. 

IXI’s credit solutions are designed for firms offering credit card, mortgage, HELOC, auto, and consumer lending products and services.