Yes, Prism is FCRA- and ECOA-compliant. CashScore can be used for approve, decline, and pricing decisions, with Adverse Action reason codes provided. Prism’s models undergo rigorous Fair Lending review and have been shown not to create disparate impact.

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CashScore^® by Prism Data predicts the probability of credit default, just like a traditional credit score, but based on deposit account data rather than credit history. CashScore has proven to be just as predictive as traditional credit scores when used on its own, and orthogonal to traditional scores when used in combination with them, resulting in significantly increased predictive power. CashScore also allows underwriters to score consumers that lack traditional credit history. You can read more about CashScore here.

No, Prism Data helps partners analyze deposit account data they’ve already obtained. Prism Data is compatible with leading financial transaction data aggregators and all standard DDA file formats. We’re also integrated with a growing number of aggregators, decision engines, CRAs, and core providers.