Agility Credit's Credit Report Attributes & Scores platform transforms raw credit data into actionable insight. With a tri-bureau normalized data model and more than 2,000 preconfigured attributes, our platform empowers lenders, fintechs and financial institutions to make faster, smarter and more consistent credit decisions. Whether used standalone or appended to a credit report, these attributes deliver deep behavioral, risk and affordability intelligence — enabling optimized underwriting, real-time decisioning and advanced analytics across the entire customer lifecycle.
Key Features:
- Tri-Bureau Attribute Normalization – Unified attribute logic across all three credit bureaus ensures consistent decisioning and eliminates data translation gaps.
- 2,000+ Out-of-the-Box Attributes – Deploy instantly with over 2,000 prebuilt attributes — covering risk, utilization, balance trends, payment performance, delinquencies, public records, inquiries and more.
- Configurable Attribute Framework – Choose the attributes that align with your business logic, product type and regulatory environment. Agility Credit supports both standardized sets and custom attribute design.
- Income & Affordability Analytics – Integrated income, debt and payment relationship modeling provides a complete picture of an applicant's financial capacity and stability.
- Behavioral & Trended Attributes – Analyze patterns such as balance growth, payment velocity, revolving utilization and tradeline dynamics to understand consumer intent and future risk.
- Scoring & Model Support – Access configurable scorecards powered by these attributes, or feed them directly into your proprietary decision engines for modeling and AI-based analysis.
- API or Batch Delivery – Retrieve attribute data instantly through API for real-time decisioning or batch load for large-scale portfolio and analytic operations.
Attribute Coverage Areas:
- Credit utilization and exposure ratios
- Delinquency and payment pattern trends
- Revolving and installment performance
- Public record and collection analysis
- Inquiry velocity and new account frequency
- Balance change and payment ratio shifts
- Income, debt and affordability modeling
- Cash flow and credit capacity metrics
- Behavioral trend scoring and segmentation
- Account aging, seasoning and tradeline depth
Benefits:
- Smarter Decisioning: Use advanced attributes to power more predictive and transparent models.
- Speed to Value: 2,000+ prebuilt attributes ready for immediate deployment.
- Data Consistency: Normalized across all three bureaus for unified risk assessment.
- Customizable Analytics: Add, weight, or define new attributes unique to your credit strategy.
- Integrated Affordability Insights: Evaluate income-to-debt ratios and cash flow stability in real time.
- Compliance-Ready: Built for regulated use with full audit tracking and control.
Use Cases:
- Underwriting & Credit Decisioning: Access granular data to strengthen approval accuracy and reduce losses.
- Prequalification & Marketing: Identify target segments with precision using behavioral and risk-driven attributes.
- Portfolio Management: Monitor utilization and delinquency trends for early warning indicators.
- Analytics & Modeling: Power custom scorecards, segmentation and predictive AI frameworks.
- Regulatory Reporting: Maintain explainable model inputs with consistent bureau alignment.
Integration & Workflow:
Agility Credit's attribute framework is available through the API Hub or batch data pipelines, ensuring flexible deployment across credit ecosystems:
- Real-time API delivery or scheduled batch reporting
- JSON, XML, or raw data formats
- Compatible with all Agility Credit products — including Credit Reports, Pre-Fill, Income Verification and Compliance Enforcement
- Supports cross-bureau analytics and unified decisioning environments
Compliance & Security:
- FCRA-compliant data structure
- SOC 2-certified infrastructure with bureau-grade security
- AES-256 encryption for data in transit and at rest
- Configurable access control and attribute governance
- Audit-ready record retention and traceability
Get Started:
Power your decisioning and analytics with the most comprehensive credit attribute framework available. Agility Credit's Credit Report Attributes & Scores platform delivers the speed, depth and accuracy modern lenders demand — built for real-time insight, compliance and performance.
