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Consumers with liens and judgments are twice as likely to default on loans 5/3/2017

LexisNexis® Risk Solutions RiskView™ Liens & Judgments Report Enables Lenders to Limit Risk without recalibrating credit models

ATLANTA -- A new product from LexisNexis® Risk Solutions, LexisNexis® RiskView™ Liens & Judgments Report is now available. It provides lenders with detailed, reliable liens and judgments data for making credit decisions. The new, robust data report, which relies on proprietary advanced linking technology, comes ahead of the credit bureaus’ decision to cease offering access to most liens and judgment data as of July 1, 2017 as a result of the settlement between the Nationwide Credit Reporting Agencies (NCRA) and over 30 state Attorneys General.

“This sea-change in credit reporting will impact lenders,” said Ankush Tewari, senior director, credit risk assessment, LexisNexis Risk Solutions. “Our new Liens & Judgments Report provides the confidence the industry needs to make the right credit decisions at a reduced level of risk while at the same time making sure consumers and small businesses get the credit they need and deserve.”   

In just two months, the three NCRA companies will eliminate approximately 50 percent of tax lien data and 96 percent of civil judgments data from their credit reports. While this is intended to make credit reporting more accurate, it has created the potential for increased uncertainty for credit lenders when evaluating consumer and small business credit applications.

According to a recent study by LexisNexis Risk Solutions, approximately 11 percent of U.S. consumers have a tax lien or civil judgment on file. These consumers are two times as likely to default on a loan. This is acutely relevant data for lenders, who evaluate large numbers of consumers for a wide variety of different credit opportunities, such as auto loans and credit cards.

The LexisNexis® RiskView™ Liens & Judgments Report delivers technology advancements that bolster the reliability of lien and civil judgment content. With this information, lenders can determine the count of liens and judgments on file, the type, the dollar amount of tax liens, and more, including specific details for each lien and judgment included in the report. Using the industry-leading LexID® identity linking technology, lenders and consumers can be confident that LexisNexis Risk Solutions has robust processes designed to link the right person to the right record.

While liens and judgments had long been included as part of RiskView™ product, this new offering is specifically tailored to provide the data that credit bureaus will soon exclude and enhance it significantly.

About LexisNexis® Risk Solutions
At LexisNexis Risk Solutions, we believe in the power of data and advanced analytics for better risk management. With over 40 years of expertise, we are the trusted data analytics provider for organizations seeking actionable insights to manage risks and improve results while upholding the highest standards for security and privacy. Headquartered in metro Atlanta, USA, LexisNexis Risk Solutions serves customers in more than 100 countries and is part of RELX Group, a global provider of information and analytics for professional and business customers across industries.  For more information, please visit www.lexisnexis.com/risk.

Media Contact

Jean Creech Avent
Director, Media and Analyst Relations
LexisNexis Risk Solutions