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Credit Bureau

Use Visible Equity to streamline the ordering, integration, and analysis of credit bureau data, including account reviews and prescreens.

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Overview
Overview
Visible Equity has partnerships with the three major bureaus, Equifax, Experian, and TransUnion to help you more easily access and analyze credit bureau data, such as credit scores, bankruptcy scores, and associated attributes. Simply select your bureau of choice, the customers you want to analyze, the data package you’d like to order (standard or customized), the frequency with which you want to refresh the data (one-time, annual, semi-annually, quarterly, or monthly), then sit back and let us get the data into the system for you. Once we have the data loaded in the system, it will seamlessly integrate into the applicable product(s) and become searchable, filterable, and reportable - in other words, we make your credit bureau data actionable.

Features
Features

  • Cross Product Use
    Credit bureau data is based on the borrower, not a specific loan, so within Visible Equity it integrates with all products tied to the borrower (that comply with permissible use).
  • No Hassle
    Let us take the hassle out of ordering data, interpreting difficult-to-understand files, and loading the results. You can even set up recurring pulls so your credit data is always fresh and available when you need it.
  • Out-of-Institution Analysis
    View and analyze your customers’ complete credit profile, not just the lending products within your institution. Delinquencies on out-of-institution loans might be a harbinger of trouble with loans at your institution.
  • Pinpoint Borrowers
    Hone in on the exact borrowers you want to pull updated credit data on. Instead of pulling credit on all borrowers, maybe you just want to look closer at those borrowers with high balances and LTVs.
  • Partnerships
    We partner with all three major credit bureaus: Equifax, Experian, and TransUnion.
Solutions
Data Warehousing
Store and manage all your data in one location. Data warehousing is the first pillar of our platform. We aggregate data from your core processor, third party processors, loan origination software, even your spreadsheets into our secure data warehouse. You get an unlimited amount of storage, access to your data 24/7, and unlimited users, queries, exports.
Analytics
We make state-of-the-art analytics easy, affordable, and accessible for banks, credit unions, and financial institutions of all shapes and sizes. Powerful analytics is the second pillar of our platform. We infuse your data with our advanced analytics to create the perfect recipe for analytic success! Whether you are analyzing risk, estimating losses, or looking for predictive marketing, we are committed to our goal of using analytics to help our clients make better, data-driven decisions.
Reporting & Visualization Software
Create actionable dashboards and custom reports. Once we have your data and we infuse our data and analytics, we’re ready to create some amazing reports with the third pillar of our platform - reporting software. Our software allows you to easily create and save lists, filters, and actionable dashboards and reports to help better understand and communicate key results. We work hard to make our reports be insightful and look professional. The software is available 24/7 with no per user, per report, or per anything fees.
"We have been with Visible Equity since 2013. Since then we have decided to have them help us develop our CECL model. They have a very extensive library of standard reports and a very robust report-writing functionality if you choose to create your own reports."
Dean Uemura
EVP Support Services at Hawaii Community FCU
"Thank you to the Visible Equity team! They are a valued partner to our Credit Union. Their analytics are topnotch and their client teams are so user friendly. We are increasing our utilization of their products as compliance requirements are increasing. Highly recommend!"
Carl Roer
CEO at Cascade FCU
Credit Bureau Data
Resources
Archived Webinar - Analyzing Credit Bureau Data
Possibly the most important field made available by the credit bureaus is the credit score. While there are many versions of a credit score, most are essentially getting at the same thing - predicting the likelihood of an existing account or potential credit consumer becoming seriously delinquent within 24 months.
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