For Lenders

As a lending institution, you must make good decisions about when and how much to lend to your customer. CIS offers data-driven information that can help you grow your business and better serve your customers. When you understand the Credit Profile of an individual consumer or business, you can make strong business decisions and grow your business more competitively. CIS offers proactive, timely solutions that leverage leading indicators to notify you of heightened consumer or business risk. When you work with CIS to access data-driven Credit Profiles, we enable you to understand your customer's:

• Monthly Income or Revenue
• Debt-to-Income Ratio
• Assets or Collateral such as Property
• Outstanding Loans
• On-time Payment History

For Individuals

Every individual consumer has a Credit Profile, which helps banks and other financial lending institutions make decisions about whether or not to lend money, and, what interest rate to charge. Some examples of transactions that require a lending institution to consider your Credit Profile include applications for a:

• Home Loan / Mortgage
• Homeowners Insurance
• Car Loan
• Car Insurance
• Credit Card
• Personal Loan
• Educational Loan

Know Where you Stand

It's important to know where you stand, and be aware of your Credit Profile. Lenders prefer to work with individuals who have: a steady monthly income low or moderate debt-to-income ratio personal assets or collateral such as personal property a history of paying bills on time Property liens, assets already being used as collateral or outstanding financial delinquencies are reasons that a lender may choose to deny you a loan, charge you a high interest rate or a high insurance premium

For Businesses

Banks and financial institutions require data to offer the most appropriate financing option for their small business customers. CIS offers proactive, timely solutions that leverage leading indicators to notify you of heightened consumer or business risk. When you understand the Credit Profile of an individual consumer or business, you can make strong business decisions. A Credit Profile contains information such as:

• Monthly Income or Revenue
• Debt-to-Income Ratio
• Assets or Collateral such as Property
• Outstanding Loans
• On-time Payment History