CRIF is a leader in the provision, management, and operation of credit bureaus worldwide. CRIF’s unique mix of a state-of-the-art technological platform, fully customisable local components, and wide availability of value-added solutions has ensured successful installation and continued growth of our bureau solutions in 20 countries since the 1990s. Our world-class bureau platforms have enabled the creation of bureaus for CRIF companies and clients alike. Our two-layer approach (a technology platform that ensures stability regardless of the specific solution built on top, and a customised component that ensures the right fit for our clients’ requirements) allows CRIF to provide targeted solutions for any need. Whether you are looking for a standard solution to be localized for your market, a tested but flexible template to be customised for specific needs, a completely customised solution based on a solid platform, or the transparent migration of your information platform to a newer, sturdier, business enabling platform, CRIF can support you to find the right fit.

Currently our Information Bureau Platforms have been provided in over 30 countries around the world.

CRIF Credit Bureau Solution (C²BS)

C²BS is a state of the art solution for Credit Bureaus. Fully functioning out of the box, yet deeply customisable according to the needs of each client and fully scalable, it represents a complete solution for any credit bureau needs. Whether your needs are a “pocket bureau” for a single institution, a “vertical bureau” for a specific sector, or a full-service, cross-sectoral credit bureau solution, C²BS is the solution for you. The solution’s flexibility allows customisations and price sensitivity to work for small countries in developing economies, as well as for the largest countries in advanced economies.

C²BS includes specific modules that make it uniquely qualified as a solution for public bodies wishing to create a Credit Registry, by focusing on reporting, compliance, and oversight features.

C²BS is sold both as a solution installed in house at our client’s selected datacentre, or As-A-Service in a cloud environment hosted at CRIF’s own high security and high availability datacentre.

“Glocal” Credit Bureau Score

A credit bureau score is a statistical indicator of the likelihood a customer will default over the next year on a payment, given that customer’s historical behaviour as evidenced by the credit bureau data. Credit Bureau Scores are invaluable tools to improve the analytical powers of credit risk managers, and implement automated decision policies.

Scores can be either “expert” or “customised”. The GLocal Credit Bureau Score is an expert score that comes integrated in the C²BS. It is useful as a “start-up” score in situation where no reliable historical data is available. The model was developed using data of different countries in which CRIF has Credit Bureau customers. In the period after implementation of a new credit bureau solution (3 to 18 months) as data is processed and stored by the bureau, it is possible to perform a validation which consists in testing the “GLocal” score forecasting capability and, if necessary, re-estimating it in order to fine-tune the scorecards weights.

Customised Credit Bureau Score

CRIF has an extensive experience in creating customised scores on top of our bureaus. The Perform customised score allows a full rank ordering of any client’s portfolio according to the probability of default of their clients. With customised score cards by product and subject type, the perform score is used by CRIF clients to segment their clients leading to faster and more accurate decisions at all stages of the loan cycle.