data sheet

1. D A T A S H E E T
eScores
Service Overview eScores also take the pain and wait out of predictive
analytics. With eScores, highly customized and effective
eBureau has reinvented predictive scoring with eScore, a solutions can be developed and deployed in days,
service that enables rapid development and deployment rather than months, and allows organizations to quickly
of customized statistical scores. With eScore, companies realize eScores’ benefits. Customers enjoy all of the
realize the benefits of highly predictive scores for their performance gains without the high cost and lengthy
most important decisions, including: development cycles required in traditional custom
• Marketing Response modeling approaches. With eScores, companies don’t
need to hire specialized resources or invest in expensive
• Fraud Prevention
data warehousing and analytic tools.
• Credit Risk Assessment
• Accounts Receivable Management Key Features and Delivery
eScores are valuable to virtually any business-to- eScores are highly effective because they are
consumer enterprise or government agency that wishes developed and customized for the particular needs of
to leverage data and analytics to improve decisions your business. With eScores, there’s no need to use
and results. sub-optimal “off the shelf” generic scores. eScores are
developed with eBureau’s patent pending technologies
Customer Benefits that outperform generic scores and nearly all existing
custom scores. Here’s why:
Once a custom eScore is developed, the quantifiable
benefits become immediately evident. eScores clearly A Massive Data Warehouse
show how you can increase revenues, reduce costs,
eScores leverage eBureau’s vast data network that
improve profitability and gain a competitive advantage.
seamlessly integrates billions of records across
eScores help marketers and online advertisers increase
thousands of databases that cover nearly all US adults
response rates and customer acquisition. They help
and households. eBureau adds over 3 billion new
financial institutions and online retailers improve
records each month and maintains a current version of
fraud and risk decisions and they help receivables
each data source as well as monthly historical versions
management firms increase recoveries and profitability.
in a single online system. This gives eScores access to
critical information including:
®

2. D A T A S H E E T
eScores
• Summarized consumer credit data Thousands of Modeling Variables
• Real property and asset records
Traditional model development is performed manually by
• Household demographic information statisticians in an offline environment. As a result, most
traditional score developments start with a few hundred
• Multiple files containing name, address, telephone and date
of birth information variables or less. The limitation of variables reduces score
performance and ultimately, business results.
• Internet, catalog and direct marketing purchase histories
• Various public records such as bankruptcy and With eScores’ automated statistical modeling software, over
deceased files 25,000 variables are commonly incorporated in the model
development process, generating superior score performance.
Since eScores have access to online historical records, there’s
eBureau’s highly scalable system allows the number of modeling
no need for time consuming and error prone data appending
attributes to grow as eBureau’s data resources expand. With
in offline warehouses. Further, incorporation of retrospective
more data – and more variables – eScores consistently provide
data improves the validity and accuracy of eScores.
greater predictive power and results compared to scores built
Development of eScores is highly flexible, additional client
using traditional development methodologies.
information or credit bureau data can be seamlessly woven
into the development process.
eScores Provide Greater Predictive “Lift”
110%
Rapid Custom Score Development 100%
90%
eBureau’s patent-pending score development software enables
Cumulative % Response
80%
“one pass modeling” which automatically develops custom 70%
60%
scores in one streamlined computer-driven pass. The embedded 50%
statistical software utilized by eScores transforms the score 40%
30%
development process from a complicated, expensive and
20%
time-consuming process to one that is fast, efficient and 10%
extremely effective. 0%
0% 10% 20% 30% 40% 50% 60% 70% 80% 90% 100%
% of Population
eBureau Score
Existing Custom Score
Conversion Generic Score
Model/Score to Final
Data Appending Development Production Code
Immediate eScore Availability
Manual eScores’ model development system generates production-
Approach ready code that makes custom eScores immediately available
40 days using team of experienced statisticians
for use. Once developed, eScores can be delivered through
eScore batch processing or through system-to-system integrations.
1 day using eScore Most companies can be up-and-running with custom eScores in
a matter of hours. eBureau’s data processing center leverages
state-of-the-art computational, storage and networking
technologies to ensure that eBureau’s services are delivered
quickly, reliably and accurately.
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