Clear Composite™

Clear Composite™ provides two easy-to-understand score solutions: The Clear Composite™ Credit Risk Score and the Clear Composite™ Fraud Risk Score. These scores are reported based on the predictive data from several powerful reporting products and provides one score for Credit Risk and one score for Fraud Risk. A Clear Composite™ Credit Risk Score of "A" would signify the best rating, while a "D" score is the worst.

What is Clear Composite™?

Clear Composite™ provides two easy-to-understand score solutions: The Clear Composite™ Credit Risk Score and the Clear Composite™ Fraud Risk Score. These scores are reported based on the predictive data from several powerful reporting products and provides one score for Credit Risk and one score for Fraud Risk. A Clear Composite™ Credit Risk Score of "A" would signify the best rating, while a "D" score is the worst.

How Can Clear Composite™ Help My Business?

A Clear Composite™ Credit Fraud Risk Score of “Low” would offer the lowest risk of fraud, while a “High” score would be the highest risk of fraud.

The following elements could negatively impact the Clear Composite™ Credit Risk Score:

• Low scores on Experian™ and Clear Tradeline™ reports
• Charge-offs and/or past due lines of credit
• Too many open lines of credit
• Closed or NSF bank account

The following elements could negatively impact the Clear Composite™ Fraud Risk Score:

• Low Clear ID Fraud™ score
• Invalid SSN, SSN issued before Date of Birth
• Too many identities associated with the bank account