36 Consulting of all major Unites States and Canadian credit reporting services from credit information collected from applicant, scoring of application, and returning answer to lending.
Aiding banks to introduce new card products, determine the creditworthiness of potential customers, manage accounts more efficiently, authorize transactions, identify markets, refine portfolios and create reports. Personalizing credit and debit cards as an aid to issuers using the bank's plastic or by printing the bank's logo on stock plastic, then embossing the cards with cardholder information and encoding them with all other necessary information. Comparing transactions with credit limits, credit histories, account balances and purchasing patterns to help banks which issue credit and debit cards authorize or refuse transactions of individual customers and/or other companies. Producing multiple reports related to credit and debit card products, available in a wide variety of electronic or paper formats. Helping issuers of credit collect payments from delinquent customers. Enabling the issuer of credit and debit cards to create ad hoc reports on an as-needed basis and mining of information from a customer database. Personalizing and issuing specialized employee credit cards that help companies control expenses with a variety of preformatted and ad hoc reporting options and restrictions on how cards can be used. Collating customer data and producing required printing of reports at the customer's desktop in a variety of formats. Providing banks with full support of off-line debit products, including collating relevant customer information and forming reports.
Evaluating the probability of near-, mid-, and long-term write-offs of each account on a daily basis to help credit card issuers manage their portfolios and reduce risk. Using data, directly or indirectly, from bank files to derive and implement the most profitable strategy for portfolio management; helping banks determine when to turn accounts over for collections; when to increase or decrease a credit line and by how much, and when to reissue credit cards and for how long; and whether to authorize transactions that exceed credit limits.