Assess credit risk more accurately using a blend of transaction and traditional data.
Carrington Labs' Cash Flow and Credit Risk Underwriting Score helps you identify creditworthy applicants who fall outside conventional models—like thin-file or no-file borrowers.
By analyzing dynamic income, expenses, and spending patterns, the score uncovers financial stability that credit scores alone often miss.
Use our alternative credit score to expand approvals, improve segmentation, and lend more confidently—with explainable, data-backed insights.
To ensure your insights are bespoke, we don’t rely on one-size-fits-all models. While we offer base models to get started, we typically work with our clients to build custom models tailored to each lender and their product(s)—spanning both consumer and SMB portfolios.
Benefits
Talk to our team to find out how the Cash Flow and Credit Risk Underwriting Score fits into your lending process
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