CredoScore
Score every applicant with consumer-permissioned and consented smartphone metadata
Credolab’s Alternative Risk Score gives you a universal predictive signal for every applicant, including the thin-file and no-file consumers that traditional bureau data misses. Built on consumer-permissioned and consented device and behavioral metadata, the score delivers an intelligence layer that works with 100% coverage, anywhere in the world. When a consumer installs or interacts with your app, Credolab’s SDK captures proprietary interaction metadata — specifically how users engage with their smartphones — without collecting any personally identifiable information. This behavioral telemetry is transformed into a predictive score that reflects risky intent and willingness to pay. The score seamlessly integrates into your existing decision models as a complementary input alongside bureau data and other signals, instantly improving Gini coefficient/KS and approval rates. The Alternative Risk Score is the missing intelligence layer in modern credit decisioning: - Credit bureau data is a must but it is not always available for thin-file or no-file applicants. - Cashflow data is a powerful signal but not every lender has access to it or can afford it at scale. - Credolab’s score is the only score available for every applicant, with a 100% hit rate, globally. Free trial
Features
Benefits
Features
Privacy-safe by design
The SDK collects device and behavioral metadata, not personal data, making it compliant with data privacy regulations and easy to deploy without friction in the customer journey.Consumer-permissioned and consented
Every signal is collected with explicit consumer consent, ensuring regulatory alignment and trust.Universal coverage
Unlike bureau or other sources of alternative data, the Alternative Risk Score is available for every applicant at every stage: from onboarding through to originations and underwriting.Complementary, not competitive
Credolab is the intelligence layer that makes your existing decision stack work better. It’s the premium ingredient that improves the predictive power of bureau scores, cashflow models, and proprietary scorecards alike.Benefits
Approve more, risk less
Improved predictive power
Less false positives and false negatives