Clarity Services and Enova Decisions Partnership Pairs Exclusive Subprime Data with Digital Decisioning

CLEARWATER, Fla.--()--Clarity Services and Enova Decisions are partnering to help businesses deliver a better customer experience and improve business performance. Together, they combine exclusive data solutions from Clarity with advanced analytics and digital decisioning technology from Enova Decisions to automate operational decisions concerning fraud, credit risk, identity verification, payments, collections, and marketing.

Clarity is the leading and largest subprime credit bureau in the U.S. With a database that holds more than 60 million unique consumer identities, Clarity has more subprime data than any other alternative credit bureau.

Clarity’s non-traditional credit data strengthens Enova Decisions’ offering by providing exclusive data that is not available from the traditional bureaus, for a more complete view of consumer credit risk. Lenders who use only traditional bureau scores are missing a wealth of information that could have a huge impact on underwriting decisions.

“Non-traditional credit data not only outlines credit transaction history, it also supports solutions that can help detect and prevent fraud, comply with regulations, and reduce overall risk,” said Tim Ranney, President and CEO of Clarity Services. “This data fits perfectly into Enova’s platform.”

"Businesses are looking toward three key technology trends that are here to stay: data-based solutions, AI solutions, and cloud-based solutions. Through our technology, we are excited to be able to offer businesses all three,” said Sean Naismith, head of analytics services for Enova Decisions. “And with Clarity’s data, our solutions are even stronger. Clarity’s non-traditional credit data helps paint a more accurate picture of consumers, helping Enova Decisions provide businesses with optimal operational decisions through the use of tailored analytics and digital decisioning technology."

About Clarity Services, Inc.

Clarity Services, Inc. provides powerful real-time fraud detection and credit risk management solutions for lenders serving subprime consumers, including thin file and no file consumer segments. Clarity’s suite of FCRA-regulated reports and scores give lenders visibility into critical subprime consumer information not available on traditional bureau reports. For more information about Clarity Services, visit our website.

About Enova Decisions

Enova Decisions uses real-time predictive analytics, AI, big data, and its on-demand digital decisioning platform, Colossus, to help companies build decision flows that make data-driven operational decisions instantly and at scale. Chicago-based Enova Decisions is part of Enova International, Inc. (NYSE: ENVA), a leading technology- and data-analytics-driven online lending company that operates 10 brands in four countries. Enova now leverages its 14 years of proven technology and analytics expertise to help clients thrive with custom, real-time analytics services and instant data-driven decisions at scale. Visit www.enovadecisions.com to learn more.

Contacts

Clarity Services, Inc.
Media Contact:
Susana Walls, 727-400-6762
Vice President, Marketing

Contacts

Clarity Services, Inc.
Media Contact:
Susana Walls, 727-400-6762
Vice President, Marketing