Bank Account Confidence Score

How confident are you that your client can meet their obligations?

Data@C's bank account confidence score returns one of 11 possible scores, ranging from 1 to 999, indicating the strength of a client's payment history.

A cost effective component of risk assessment strategies and for testing the effectiveness of other credit related data.

Customer is in the Negative Database. Debts are Recent ( < 60 days). The Reason for the Debt is Suspiscious Customer is in the Negative Database. Debts are Not Recent( > 60 days). The Reason for the Debt is Suspiscious Customer has Multiple Debts in the Database. Reasons are NSF or Hold on Funds Customer has a Debt in the Database. Reasons are NSF or Hold on Funds Customer has a Debt in the Database. Reasons are NSF or Hold on Funds. Otherwise, History is Positive( > 20 trx) No History for the Account Customer Recently Paid Off a Debt and is no Longer in the Negative DB. 60 Day Probation Period Customer has Limited Positive History ( < 45 Days and Low Volume) Customer has Positive History ( 45 - 180 Days and Less Than 10 Debit Transactions) Customer has Strong Positive History ( > 180 Days, no Negatives in Past 6 Months, More than 10 Debit Transactions, at Least 1 Recent Debit Transaction) Customer has Strong Long Term Positive History ( > 1 Year, No Negatives in Past Year, More Than 20 Debit Transactions, at Least 1 Recent Debit Transaction)
Customer is in the Negative Database. Debts are Recent ( < 60 days). The Reason for the Debt is Suspiscious Customer is in the Negative Database. Debts are Not Recent ( > 60 days). The Reason for the Debt is Suspiscious Customer has Multiple Debts in the Database. Reasons are NSF or Hold on Funds Customer has a Debt in the Database. Reasons are NSF or Hold on Funds Customer has a Debt in the Database. Reasons are NSF or Hold on Funds. Otherwise, History is Positive( > 20 trx) No History for the Account Customer Recently Paid Off a Debt and is no Longer in the Negative DB. 60 Day Probation Period Customer has Limited Positive History ( < 45 Days and Low Volume) Customer has Positive History ( 45 - 180 Days and Less Than 10 Debit Transactions) Customer has Strong Positive History ( > 180 Days, no Negatives in Past 6 Months, More than 10 Debit Transactions, at Least 1 Recent Debit Transaction) Customer has Strong Long Term Positive History ( > 1 Year, No Negatives in Past Year, More Than 20 Debit Transactions, at Least 1 Recent Debit Transaction)