Consumer Risk Indicator

Assessing a consumer's creditworthiness is on solid grounds when you are using Consumer Risk Indicator. It analyses an individual's credit data and participations in companies from the most comprehensive and most frequently updated company and credit information database in Finland. Also the person's age is taken into account, and the result is given as a distinct five-step credit classification, which indicates the payment default risk during the next 12 months.

Make the most of the reliable forecast on payment behaviour and report on credit data
The reliability of Consumer Risk Indcator is based on comprehensive databases, continuous examination of forecasting ability, updates, and documentation and validation taking into account the Basel II requirements.

In addition to the classification, you can use from Risk Indicator information on the factors with the highest emphasis on the classification, a specification on the person's payment defaults and other credit data entries.

The service rates all consumers, also those with no payment defaults, and is especially well suited for the assessment of credit risk of so-called persons with business involvement and sole traders.