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Analyze bank transaction data to generate risk scores, income metrics, and spending patterns for credit decisioning. Use scoring reports as an alternative or supplement to traditional credit bureau data. No hard inquiry on the consumer’s credit report.

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Benefits

No Hard Inquiry

Risk assessment without impacting the consumer’s credit

Thin-File Lending

Score borrowers with limited credit history

Transaction-Based

Scores derived from real bank activity, not models

Configurable Windows

Analyze from 1 week to lifetime of data

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What you get

Risk Scoring

  • Overdraft risk prediction
  • Balance pattern analysis
  • Transaction behavior scoring

Income Detection

  • Derived income streams
  • Frequency and average amount
  • Monthly income projections

Balance Metrics

  • Daily balance calculations
  • Minimum balance tracking
  • Balance trends over time

Spending Analysis

  • NSF fee detection
  • Debit activity ratios
  • Expense categorization

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Report purposes

PurposeUse CaseFair Credit Reporting Act (FCRA)
decisioningCredit decisioning and loan approvalYes
verificationUnderwriting verifications and income analysisNo
analyticsRetroactive portfolio analysisNo

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Use cases

Use transaction-derived risk scores and income metrics as an alternative or supplement to traditional credit bureau data. Particularly valuable for borrowers with thin credit files.
Verify income claims and assess financial stability during the loan origination process using real bank transaction data.
Run retroactive analysis on existing portfolios to identify risk concentration and performance drivers.
Extend credit to underserved populations by supplementing traditional credit data with bank transaction signals.

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How to implement

PathCode requiredBest for
Scoring APICustomDirect API integration
Smart RoutingMinimalCombined with other products
See the Scoring API reference for full request and response schemas.

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API reference

Scoring Report

Scoring attributes and report schema

Bridge Token

Create tokens for Truv Bridge

Users

Create and manage users

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Next steps

Scoring API

Full API reference and schema

Transactions

Transaction data that feeds scoring reports