CrediView
CrediView is FinScore’s loan inquiry intelligence tool powered by telco data. Built on insights from 50+ financial institutions, it gives lenders instant visibility into when and how often a borrower applies for credit.
How CrediView Addresses the Credit Data Gap
Many borrowers in the Philippines lack sufficient credit history for traditional assessment, impeding their access to financial services. CrediView draws on telco data to extend the view beyond standard financial records, aggregating loan inquiry data from 50+ financial institutions and giving lenders a picture of credit-seeking behavior that a bank statement alone cannot provide.
Designed like a credit report and complete with a scorecard, CrediView shows when and how often a borrower applies for credit across the ecosystem—without revealing personal information.
How CrediView Works
CrediView uses a borrower’s telco data, such as their mobile number, to pull their loan inquiry history across 50+ financial institutions. Lenders see how recently a borrower applied and how many applications were made across different lender types:
- Auto
- Traditional banks
- Digital-only banks
- Point-of-Sale lenders
- Buy Now Pay Later (BNPL)
- Digital BNPL
- Digital lenders offering small online cash loans
CrediView delivers these insights instantly. It aggregates loan inquiries without revealing personal information, keeping the output private and compliant with local data privacy regulations.
Key benefits
What Lenders Use CrediView For
Aggregate Loan Inquiry Data
Pulls inquiries from 50+ financial institutions into a single scorecard, updated with data as recent as today.
Predict Defaulting Customers
Flags borrowers with high recent inquiry activity across multiple lender types, a documented signal of default risk.
Increase Loan Approval Rates
Identifies creditworthy borrowers who lack traditional credit history but show consistent, low-frequency inquiry behavior.
Batch-Score Large Volumes
Submits applicant data in bulk and returns CrediView results as a completed set, suited for high-volume origination workflows.
Extend Credit to Unbanked
Serves borrowers with no formal banking record by using telco data and inquiry behavior instead of bank-issued credit history.
Improve Borrower Quality with Better Credit Data
Make smarter lending decisions and expand your reach with actionable alternative credit insights.
Make Better Credit Decisions with CrediView
Go beyond traditional credit history. CrediView taps into real-time telco insights to reveal when and where borrowers are applying for credit across 50+ institutions. By delivering full visibility into applicant behavior, CrediView helps banks, fintechs, and Buy Now, Pay Later (BNPL) providers reduce risk and approve loans with more certainty.
Contact us today for more information.
