vCredit™ is ValidiFI’s predictive credit risk solution, designed to deliver a more complete and up‑to‑date assessment of consumer risk by leveraging proprietary bank account and payment intelligence alongside alternative and traditional credit attributes.
vCredit™ empowers risk, underwriting, and product teams with a high‑accuracy, FCRA‑compliant, and frictionless scoring solution.
By combining proprietary bank data with multi‑signal credit attributes, and offering SSN‑only scoring when needed, you can:
- Approve more good applicants
- Avoid high‑risk consumers sooner
- Reduce application drop-off
- Increase precision across the credit spectrum
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