Data & Decisioning

QualiFile Classic

The QualiFile® Classic package offers the risk assessment data from the DebitBureau® that financial institutions have used for decades to protect themselves against account abuse. QualiFile Classic helps you identify potentially risky applicants and pinpoint customers who had accounts closed for cause or bounced checks.

QualiFile Advantage

The QualiFile® Advantage packages leverages improved data scores and a flexible decision engine to allow you to make faster, smarter and more managed new account opening decisions. Your risk strategy is set based on current needs and requirements. Then, for each new account, the solution eliminates the guesswork on the frontlines by returning a simple "accept," "reject" or "review" answer. Each decision is based on your pre-determined risk strategy and a risk assessment score that scientifically predicts the likelihood of a force-closed account. Through our Advantage package, QualiFile transforms comprehensive data and scores into actionable, consistent and meaningful recommendations to help you meet your business goals and manage market conditions.

QualiFile Premier

The QualiFile® Premier package offers the industry's most powerful and automated solution to help you manage risk at the new account opening desk. Like Advantage, the Premier package also reviews billions of consumer records within DebitBureau, but also cross-references the elements such as late payments, total debt and recent inquiries from a credit report. You can review a risk assessment score that represents the most comprehensive information available about an applicant's account history. With one simple inquiry, your frontline workers receive an account opening decision based on your procedures, business rules and strategies. QualiFile Premier provides the most complete financial picture of a prospective customer, which results in the ability to decline 35 percent fewer accounts without increasing the risk level.

QualiFile Overview