Risk View Score

RiskView Optics and Spectrum are three-digit, FCRA-permissible alternative-credit scores that extend measurable credit insight to ≈ 99 % of U.S. adults, including the “credit-invisible.” Optics blends public-record data (liens, judgments, licenses, address stability, etc.), utility/telco payments and near–real-time “credit-seeking” inquiries; Spectrum layers those same alternative signals on top of traditional tradeline data for even stronger lift. Returned in < 2 s via JSON/XML API, batch flat-file or PDF, the scores ship with 350 + pre-calculated attributes and reason codes, slot directly into LOS/decision engines on the familiar 300-to-850 scale, and can be turned on in monitoring mode for portfolio alerts.