Consumer Credit
With Consumer Credit Profile (CCP), you can increase return on investment by matching consumers with the right products at the right time. CCP is a consumer consent-based business model designed for businesses (internet lead generators, brokers, resellers, and lenders) who want to offer consumers insight into what products they qualify for, prequalifies them for credit in real time at the point of contact, and eliminates the requirement that the company make a firm credit offer. CCP can posts as a soft inquiry, so it doesn't impact the consumer's credit score and only requires their name and address to get started.
Insights
| Code | Description |
|---|---|
| GRID-CCP-FICO-SCORE | Credit Score |
| GRID-CCP-PAST-BANKRUPTCY | Whether the consumer has experienced a bankruptcy |
| GRID-CCP-BANKRUPTCY-DATE | Filing date of the most recent bankruptcy. Blank if no bankruptcy filed |
| GRID-CCP-OPEN-TRADES | Number of tradelines that are listed as open |
| GRID-CCP-CLOSED-TRADES | Number of tradelines that are listed as closed |
| GRID-CCP-PUBLIC-RECORDS-COUNT | Number of Public Record items on the Profile |
| GRID-CCP-REAL-ESTATE-BALANCE | Dollar amount of Real Estate Balance |
| GRID-CCP-REAL-ESTATE-BALANCE-GREATER-THAN-ZERO | Whether real estate balance is greater than 0 |
| GRID-CCP-REVOLVING-BALANCE | Dollar amount of revolving tradelines |
| GRID-CCP-PAST-DUE-AMOUNT | Dollar amount past due |
| GRID-CCP-TOTAL-INQUIRIES | Number of inquiries on the file |
| GRID-CCP-TOTAL-TRADES | Total number of tradelines |
| GRID-CCP-WAS-PAST-DUE-COUNT | Number of accounts previously delinquent |
| GRID-CCP-OLDEST-TRADE-DATE | Oldest trade open date. Format = YYYY-MM-DD |
| GRID-CCP-PAST-DUE-30-DAYS | Number of 30 to 59 day delinquencies |
| GRID-CCP-PAST-DUE-60-DAYS | Number of 60 to 89 day delinquencies |
| GRID-CCP-PAST-DUE-90-TO-180-DAYS | Number of 190 to 180 day delinquencies |