Is Your Consumer Credit Risk Strategy Creating Friction and Abandonment?

• Are you seeing high consumer drop-off when you ask for bank account information during onboarding?
• Are you missing out on qualified leads because consumers hesitate to share sensitive financial data?
• Are you finding that innovation stalls early in your waterfall—especially when bank account and routing number products come later?

If you answered “yes” to any of these, you’re not alone. And now, there’s a better way forward.

Avoid These Headaches with vCredit

vCredit is a flexible, FCRA-compliant credit risk solution that lets you evaluate and score consumers using either their SSN or bank account and routing number (BARN)—no bank login credentials required.

Its versatility means vCredit can be deployed at different points in your waterfall, depending on your workflow, consumer experience goals, or data availability. Whether you’re looking to decision earlier or supplement later-stage risk models, vCredit adapts to your needs.

vCredit delivers:

• Earlier Decisioning—Identity-based scoring enables fast approvals using SSN or BARN data
• Stronger Trust—Builds user confidence by eliminating the need for bank login credentials
• Expanded Reach—Unlocks access to consumers often overlooked by traditional credit models
• Smarter Risk Assessment—Predictive accuracy powered by proprietary inquiry, credit, and payment performance data

Whether you’re prioritizing speed, convenience, or broader reach, vCredit helps you meet consumers where they are—without friction—and without compromising risk insights.

vCredit helps you say yes faster, smarter, and more confidently.

Ready to ValidiFI your revenue growth?
Contact us today. validifi.com | info@validifi.com