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- Clear ID Fraud™
- Clear Identity Profile™
- Clear Inquiry™
- Clear Payday Tradeline™
- Clear PC Fraud™
- Clear Profile™
- Clear Recent History™
- Clear Services: Analytics
- Clear Subprime ID Fraud™
- Clear Title Loan™
- Clear Tradeline™
- Clear Warning™
- Clear Warning for Check Cashers™
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March 14, 2013: Get Three Credit Scores with Clear Bureau Lite
Products and Services
Clarity report products are not just a number of single reports; but rather, a series of discrete, standalone reports with each report being composed of its own score, reason codes, aggregate data variables, and detailed data behind those aggregates. Clarity has created this level of detail and flexibility to allow your business to mix, match, and pull reports to meet your specific reporting needs.
By automatically distributing adverse action notifications via email, Clarity helps streamline this required process and provides lenders with an additional way of managing compliance.
A comprehensive view of a consumer's banking behavior, account status, bank risk status, and possible associated accounts relating to a submitted drivers license or bank account number.
Improve your rate of successful collections with automatic account monitoring notifications sent right to your mailbox.
By associating loan outcomes to applicant and lender-reported bank accounts, Clear Bank Profile™ offers an in-depth look at a consumer's overall historical banking behavior for a specific account.
Provides the full traditional Experian credit report with either the FICO™ or Vantage™ scoring model. Clear Bureau™ compares Experian's consumer header data with Clarity's consumer information to produce supplemental identity information.
It’s time to put away the crystal ball and configure your underwriting models based on complete assurance. Clear Bureau Lite™ provides key predictive data elements for efficient and effective decision-making. Clarity’s ground-breaking Consumer Credit Direction Gauge evaluates the credit path of an applicant to help determine where an applicant’s credit is headed. Good or bad, you will know.
Clarity's configurable and completely flexible underwriting tool for managing multiple business models and risk thresholds as determined by a Clarity customer.
A powerful ID verification tool that reports over 45 attributes of your applicant's identity. The elements are reported using true/false values, making it easy to understand when your applicant's identity is confirmed.
Evaluates consumer data points and offers an easy-to-read ID Fraud Score that ranks the possibility of fraud. A list of reason codes that have impacted the score is provided in conjunction with a Consumer Stability Matrix generated from prior consumer applications.
Clear Identity Profile™, an add-on to Clarity's Clear ID Fraud™ report, provides crosstab information over useful identity fields based on historical inquiry data. These unique crosstabs of inquiry data provides insight into the frequency of data element change and inquiries allowing lenders to better predict fraudulent applications.
Clear Inquiry™ provides consumer data as submitted to Clarity in recent credit applications. Clear Inquiry™ includes powerful pre-validation flags to help you better understand your applicant.
Clear Payday Tradeline™ is specifically designed to identify credit risk and is the next product in Clarity's natural progression of trade line reports focused on a subprime consumer's payday loan history.
Clear PC Fraud helps lenders look beyond application data to thwart sophisticated fraud attempts. Through a partnership with Iovation, Clarity combines key application metrics across all lenders with the latest in IP geolocation, device identification, and device risk profiling.
Clear Profile™ is a powerful collections solution reporting tool that reports the three most current instances of critical consumer demographic data such as: address, phone numbers, employer, financial institution, and email. All data is date-stamped to show when the information was contributed/received.
Clear Recent History is a tradeline report that was designed for brick and mortar payday lenders. This new report provides visibility to the last 90 days of loan activity, across all participating storefront lenders.
Clarity has made a strong commitment to serving its customers by providing analytics and consulting services to all clients with the Clarity Analytics Team. The analytics team strives to transform Clarity's robust data and technology platform into a complete and easy-to-interpret analysis of client and industry data.
Empowering lenders with more than ID verification, Clear Subprime ID Fraud™ is the new industry-leading identity management solution. With unique fraud detectors and predictive validation flags, Clear Subprime ID Fraud™ is a lender's decision-making solution for confidently separating the good from the bad and the potentially ugly.
Whether the loan application is online or face-to-face, Clear Title Loan™ helps title lenders automate key steps in the underwriting process, while providing valuable tools to protect against fraud.
Provides traditional Payday Single Payment Lender information, bill pay history, installment loans, credit cards, prepaid debit cards, rent-to-own, and mortgage loans. Clear Tradeline™ provides an in-depth look at credit limits, past due loans, and open balances on all known tradeline loans.
Clear Warning™ provides a simple banking risk ranking and descriptive response for the type of banking relationship found for a reported consumer.
Clarity's Clear Warning for Check Cashers™ provides an additional layer of underwriting confidence when providing check cashing services. The easy-to-read report is furnished with a score and matching reason code describing the status of the check maker's banking account.