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 |