Velex delivers credit risk scores centered around consumer cash flow. This real-time data provides the most confident decisions based on recent consumer money management rather than the distant past.
Our unique all-inclusive model enables businesses to widen their target market scope and become profitable faster and more reliably. We deliver inclusive scores that uncover 62M+ overlooked deserving consumers with thin or missing files.
Velex predicts default risk for consumer credit products such as credit cards, credit lines, and installment loans. We deliver scores ranging from 350 (highest risk) to 850 (lowest risk), utilizing cash-flow data over a period of time.
Our proprietary and innovative model is trained on a large population of consumers with credit line products. It can be tailored for various predictions, from immediate default risk to longer-term risk. The model separates defaulted accounts from non-defaults with a high degree of separation.