(What do you expect from a credit report?🤔)
Sometimes you need to act quick — we get that. That’s why we made credit assessing a whole lot easier. Introducing TrustDecision’s new-gen credit report for the Philippine market, designed to deliver not just faster but also more reliable credit insights, empowering digital lenders to make accurate decisions.
What’s New?
- Individual credit coverage: Covering over 5 Million individuals—over 70% of the Philippines' adult population—you’ll be able to reach more clients with confidence and expand financial access.
- Institutional credit coverage: Leverage data from 500+ financial institutions and 200 Million+ payment records to gain a holistic view of borrower behavior, improving risk evaluation and decision-making.
- Authoritative data source: Gain direct access to over 2 Billion credit records from government owned and controlled corporation providing credit information in the Philippines— Island Credit Solution, an official Special Accessing Entity (SAE).
- Data-driven clarity: Structured with 400+ fields, the report offers clear, easy-to-parse insights, enabling lenders to quickly assess creditworthiness with confidence.
Credit Report that Thinks Like a Lender
For lenders, every decision carries weight. Assessing borrower risk isn’t just about numbers—it’s about understanding the full picture. A missed detail could mean hidden risks, while the right insights unlock stronger lending strategies.
That’s why we've harnessed the power of AI to create a credit report that goes beyond documentation—one that explains itself with clear, actionable insights across six key modules:
🔹 Credit Score – AI-driven scoring that precisely evaluates borrower’s credit worthiness.
🔹 Credit Snapshot – A high-level overview of key credit indicators, diagnosing financial health.
🔹 Borrower Profile – Verified details including name, address, and ID.
🔹 Loan Contract Overview – A complete view of current and past loans for deep interoperation.
🔹 Multi-borrow Check– Tracks recent credit inquiries from multiple lenders to flag borrowing risks and patterns.
🔹 Repayment Behavior & Contract Details – A deep dive into repayment trends, delinquencies, and loan terms.
What can you expect from a credit report? A comprehensive tool that does more than just outputting numbers but evaluates and processes data to provide actionable insights for lenders, which can be used directly for decision-making.
Prevent Loan Stacking
The model focuses on analyzing high-frequency borrowing patterns, repayment capacity, and liquidity risks to deliver a more precise assessment – especially for short-term lending
Approve with Confidence
With over 800 behavioral indicators/features—such as repayment patterns, cash flow, and delinquency trends—it enables you to effectively segment borrowers, reducing uncertainty.
A Peace of Mind, Really
The assessments are transparent and explainable, complete with reason codes to ensure compliance with regulatory standards and build confidence in your decision-making.
At the end of the day, delivering exceptional digital lending experiences starts with knowing who you're extending credit to. We're continuously enhancing our capabilities to support the digital lending industry, and we invite you to join us in exploring the latest innovations catered for Philippine credit lenders.
Speak with us to get a demo and exclusive offers.
Things You Might Also Be Interested In
- Philippines Loan Application Insights: Lenders in the Philippines can now access and integrate indicators derived from phone numbers and devices for better credit evaluation.
- Global Risk Persona White Paper Released: A comprehensive guide to email, phone number, and IP profiling — how they help prevent fraud at every stage of the user journey, the detailed data available, and how to start a free trial. Download it here.
