Reason codes now ship with every decisionCredit decisions
Credit decisions
you can defend
Decide a credit file in minutes, with the reason codes, the policy version and the inputs already attached.
Decision desk
Home improvement00:41ApprovedUW-4471Auto refinance01:12ReferredUW-4468Working capital00:28DeclinedUW-4463
2.4MCredit files decided last year
9:24Median time from file to decision
100%Decisions carrying their reason codes
0.31%Decisions overturned on appeal
The stack
Five systems in, four channels out, and one decision record that every one of them can read.
Decision APIReason codesAdverse actionAudit export
01Read the file
Everything the applicant sent, and everything your systems already hold.
02Apply the policy
Your rules, your scorecard, your thresholds. Versioned, and never ours.
03Return the record
A decision, its reason codes, and the whole trail behind both.
Underwriting for 68 regulated lenders
ASHFIELD BANKREDMOOR CREDITQUILLONHAVERCROFTSENNET MUTUALTRELANE
The desk
They run in parallel against one record, so the underwriter opens a file that already agrees with itself.
Verified monthlyPASS$7,340Two employers, both confirmed in the feedDeposit varianceLOWWithin four percent across ninety days07 / 07Reading ninety days of deposits against two pay cycles…
Matches two pay cycles against ninety days of bank deposits and flags anything that appears in only one of them.
The record
An examiner does not want a model card. They want the file, the inputs it read, and every hand that touched it.
ECOAREG BFCRATILASR 11-7
INTAKEFile opened from the origination system at 09:14.
CONSENTApplicant consent captured, timestamped and stored against the file.
BUREAUSoft pull returned; hard pull deferred until an offer.
INCOMETwo pay cycles matched to ninety days of deposits.
IDENTITYDocument photograph matched to the name on the application.
POLICYPolicy version 4.2 applied; no manual override requested.
MODELScorecard 11c scored the file at 0.68.
REASONFour reason codes attached before the decision was written.
OVERRIDEUnderwriter raised the limit; note and initials recorded.
NOTICEAdverse action drafted from the reason codes, not prose.
DISCLOSURETerms and APR served in the applicant's stated language.
RETENTIONRecord sealed for twenty five months under your policy.
ACCESSTwo examiners read the file; both reads are logged.
EXPORTFull trail exported as signed JSON in 40 seconds.
MODEL RISKValidated twice yearlyADVERSE ACTIONWritten from the recordDATA RESIDENCYHeld in your region
Rate card
| By engagement | DIRECT$1,400$0.78 a decisionOne product line, our tenancy, standard connectors.Request access | PORTFOLIO$6,900$0.58 a decisionSeveral products, your policy, your bureau contracts.Request access | CHARTEREDNegotiatedYour tenancy, your keys, your examiners.Talk to us |
|---|---|---|---|
| Decision API | |||
| Reason codes | |||
| Signed audit trail | |||
| Bureau connectors | |||
| Document extraction | |||
| Policy editor | |||
| Model monitoring | |||
| Private deployment | |||
| Named risk partner |
Bureau and document costs pass through at cost. Annual terms, invoiced quarterly, security review included.
The docket
The questions your risk committee sends after the demo, answered before the call.
Risk
Every decline carries the reason codes that produced it, the policy version in force, and the inputs each code read. The adverse action notice is written from that record rather than from a template.
Data
Terms
We stopped writing decline letters. The record already knew why, so the notice writes itself.
Show your working.
Bring one product line and ninety days of files. We will run it beside yours.