Risk View Score and Attributes

RiskView delivers two three-digit, FCRA-permissible alternative-credit scores—Optics (alt-data only) and Spectrum (alt + tradeline)—together with a library of 350-plus model-ready attributes in a single JSON/XML or batch file. Powered by the LexID® entity-resolution graph and fed by public-record, utility/telco, payday-loan and near-real-time “credit-seeking” signals, the package reaches ≈ 99 % of U.S. adults, scoring thin-file and invisible borrowers while lifting KS by up to 15 % on near-prime segments.