XDS SA - Personal / Individual - FREE Credit Reports / Monitoring System
Credit Bureau: XDS
Bureau Division Country: South Africa
Countries of Reporting: South Africa
CONSUMER PRODUCTS:
Presage Score - Generic
Affordability
Authentication
IDV
Income estimator
Risk scores
Fraud score
AVS
Admin Order Enquiry
Consumer Credit Application
Consumer KYC
Consumer Prevet / Custom Vetting
Credit Profile
Debt Review Enquiry
XDS ANALYTICS CAPABILITIES
Assists credit providers in improving their efficiency and increasing their profitability.
XDS PRESAGE ACCOUNT ORIGINATION SCORE
Predicts future payment delinquency i.e. the likelihood that the consumer will fail to make three or more payments on a newly opened account within the first year.
XDS INCOME PREDICTOR
Provides an estimate of a consumer’s monthly income.
HOUSEHOLD INCOME PREDICTOR
Provides an estimate of a household’s monthly gross income.
XDS AFFORDABILITY MODEL
Determines what the consumer can afford, at the time of application, based on predicted income of the consumer and a variety of expense types such as CPA and NLR, amongst others.
XDS PRESAGE CLIENT MANAGEMENT SCORE
This product was developed in order to assess existing clients on a periodic basis hence allowing credit providers to assign appropriate credit strategies.
XDS EARLY STAGE COLLECTIONS
Assists collection departments to ascertain which delinquent customers have the greatest likelihood of returning to positive payment behaviour.
XDS LATE STAGE COLLECTIONS
Assists collection companies, as well as internal collections departments, to ascertain which late stage delinquent customers have the greatest likelihood of making payment.
PAYMENT DATE GAP MODEL
Allows businesses, particularly collections departments and companies, to understand what time of the month a consumer is most likely to pay, and is particularly useful for NAEDO tracking.
GENERIC BOOK PRICING MODEL
Assists debt purchasers to determine a reasonable price for books that they are considering making an offer on by predicting cash flow.
GENERIC INDUSTRY & CUSTOMER PROFILING
Provides insights into what is happening across an industry as well as the current standing of a consumer’s book across three stages – acquisitions, current consumers & consumers in collection.
CONTACT ABILITY INDEX
Ranks likelihood of contacting consumers out of a list of possible contactable numbers.
COMMERCIAL PRODUCTS:
CIPC
CIPC Plus
Business Standard Online Enquiry
Business Detailed Online Enquiry
Commercial Trace
Adverse Report
Director Enquiry
Commercial KYC
Account Verification
Bank Codes
DAA
Commercial Prevet
Deeds Enquiry
Investigative Report
Customised Report
Linkages
Fewer than 5% of South African consumers make use of the legislation which entitles them to obtain their credit report free of charge from every credit bureau every year.
Credit, Credit Report, Credit monitoring
