Ethos™ International Credit Score
Expand your profitable customer base with international credit historyEach year, millions of people move to the United States in search of new opportunities. In fact, the U.S. Census Bureau expects immigration to drive over 88% of net U.S. population growth by 2065*. These newcomers represent a low-risk, highly engaged potential customer base. However, the lack of a U.S. credit history and no way to access international credit history makes lending decisions difficult or risky.
Ethos™ International Credit Score is a solution that, for the first time in the financial services industry, enables lenders to access international credit data to serve this fast-growing segment.
*Source: US Census Bureau “A Changing Nation: Population Projections under Alternative Migration Scenarios”
Unlock millions of new customers with real-time international credit data
Real-time credit data from over 13 countriesApprove new-to-country borrowers with confidence leveraging a direct connection with 15 foreign credit reporting bureaus
Standardized for easy underwritingWhere international standards do not match U.S. standards, such as the credit score scale, the data is automatically converted to U.S. standards that underwriters can easily recognize
*Based on 2018 actual visa data
A comprehensive credit file for multiple usesOur robust international credit data reporting includes credit history, current open tradelines, payment history, credit inquiries, credit score, risk attributes and repayment information