Plaid offers LendScore
ProductOperating Status: Currently Offered
LendScore combines permissioned cash flow and network insights to assess borrower repayment risk.
LendScore combines permissioned cash flow and network insights to assess borrower repayment risk.
LendScore gives lenders credit risk scores based on consumer-permissioned cash flow and Plaid Network insights. Its family includes a core model and specialized models for auto, short-term, and home lending, helping teams choose scores suited to their lending market.
LendScore Arc uses a transformer architecture to evaluate transaction sequences alongside established underwriting features. The family is delivered through Plaid's consumer reporting agency, with reason codes that help lenders interpret credit risk decisions.
CashScore is Prism Data three-digit cash flow underwriting score for credit and fraud risk.
A lending platform using artificial intelligence to assess credit risk and originate loans.
Digital lending platform providing income verification, asset verification, and credit decisioning.
Holistic credit decisioning product leveraging alternative data for cash flow visibility, normalized income, and asset verification.
Free credit monitoring and score tracking tool available to all consumers.
An API service that lets banks underwrite loans for smallholder farmers in real time.
CashScore is Prism Data three-digit cash flow underwriting score for credit and fraud risk.
A lending platform using artificial intelligence to assess credit risk and originate loans.
Self credit builder product offering loans and secured cards.
Hyper-personalized omni-channel loan opening (first click to funded <5 min) with AI document analysis, pre-qualification, and self-serve decision logic.
Nova Credit helps immigrants translate international credit history for U.S. lenders.
Credit score enhancement product allowing consumers to add positive payment history to their credit profile.
Digital lending platform providing income verification, asset verification, and credit decisioning.
Holistic credit decisioning product leveraging alternative data for cash flow visibility, normalized income, and asset verification.
Free credit scores, reports, and personalized monitoring for consumers.
Free credit monitoring and score tracking tool available to all consumers.
An API service that lets banks underwrite loans for smallholder farmers in real time.
Self credit builder product offering loans and secured cards.
Hyper-personalized omni-channel loan opening (first click to funded <5 min) with AI document analysis, pre-qualification, and self-serve decision logic.
Nova Credit helps immigrants translate international credit history for U.S. lenders.
Credit score enhancement product allowing consumers to add positive payment history to their credit profile.
