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Table 2 Traditional credit management systems

From: Harnessing Internet finance with innovative cyber credit management

Company Products and services Credit assessment model Data source Evaluation aspects Service object Founded
Dun & Bradstreet Finance solutions, operations solutions, sales and marketing solutions, Risk management products RAM model, statistic analysis model Company scale, company history, lawsuit information, finance information Company basic information, finance information, operation condition medium-sized enterprise 1841
Equifax Credit service, insurance information service FICO model, Vantage credit evaluation model Individual consumer credit information Payment history, credit usage, length of credit history credit applications credit account Credit granting institutions, Finance institution, company 1899
TransUnion Credit report, information management service, industry risk analysis FICO model, Vantage credit evaluation model Provide by 7000 data supply institutions Payment history, credit usage, length of credit history credit applications credit account Credit granting institutions, Finance institution, company 1968
Experian Credit report, credit score, credit monitoring, risk decision support, marketing, etc. FICO model, Vantage credit evaluation model Credit granting institutions, data agents, public departments Payment history, credit usage, length of credit history credit applications credit account Credit granting institutions, Finance institution, company, 1996