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Why is L2C Different?

L2C’s primary differentiator is our added depth of experience in identifying, understanding and modeling alternative consumer data for the purpose of limiting credit risk. A further differentiator from others is the type of data we use. L2C owns and aggregates trade line data not typically found at the traditional credit bureaus. Therefore, L2C’s information is incremental and complementary to the big three credit reporting organizations. This enables L2C to provide greater insight by delivering a comprehensive 360° view of risk to our clients.  We view the L2C Score as a complement to the traditional credit bureau scores that will bring additional precision to your credit approval and account management strategies.

L2C can typically score at least 90% of the No Hits and Thin Files returned by the three major credit bureaus.  Companies that have tested our data have consistently reported that L2C scores provide greater lift than other sources they have used.

Although our data provides excellent insight into the nontraditional credit population, its value extends well beyond that segment. Our database includes over 228 million individual records of predictive data that can provide a deeper view into all prime, subprime or non-prime segments of your current and potential customer base by delivering:

• early warning for signs for risky financial behavior and potential for default
• additional justification for declines and approvals
• collection prioritization to make better use of limited resources
• credit capacity or propensity to pay