Data & Decisioning

Debit Report

If you are making decisions based on a consumer's credit history alone, the financial picture you get may be too narrow. Debit Report gives you a more complete financial picture. It lets you augment a consumer's credit data with debit data from DebitBureau®, the most comprehensive debit database in the world.

Some consumers have little to no credit history, but may very well have or had checking or savings accounts. By complementing thin to no credit files with debit histories from Debit Report, you can make more informed credit decisions and tap into a broader cross-section of consumers. Drawing on billions of financial records in DebitBureau, Debit Report includes information about:

• Accounts closed for abuse and fraud
• Account-opening inquiries
• Deposit-account collections
• Check-order histories
• Retail NSF (non-sufficient funds) check-writing histories

You can connect to Debit Report through batch reports, real-time access via customer-owned input screens or pre-screen and list suppression. Whatever way you choose to connect to Debit Report, the information will help you increase approval volumes and manage losses.