Alex MacKay-Howse's Contact Details

Alex MacKay-Howse's Company Details

AccountScore Ltd

Euston Road, Euston Roa, N/A • 20 - 49 Employees
Financial Services

AccountScore, an Equifax Company, is a business-to-business service which makes consumer bank transaction data available to AccountScore clients on their new applicants and/or existing customers. This data (after deep analysis, pattern recognition and categorisation) offers a holistic and up-to-date picture of each customer's financial position, lifestyle and existing commitments - enabling you to make smarter lending decisions.Affordability Assessment• Calculate disposable income accurately. • Understand whether a customer's financial position is improving or worsening• Defensible affordability calculation - prove in retrospect that the right level of care was taken• Make credit line adjustments proactively or reactively using the most recent dataCredit Quality Assessment and Fraud Prevention• Build predictive scorecards based upon vendors, categories and keywords• Identify and understand your customer's debit card usage and whether that customer is likely to cancel their card• See whether other lines of credit have been taken out, and whether or not these have been repaidRepayment Management• Check before repayments are taken that the customer can afford them based upon the most recent account information available• Identify where a customer has had a change of circumstance and may be on the brink of financial hardshipAccount Management• Know when a customer has taken on new credit commitments, missed a payment or changed salary or employer• Receive alerts on changes in your customer's circumstances or the occurrence of red flag events