Case Study: Auto Lender achieves full‑spectrum lending expansion and +27% KS lift (+16% bad‑capture improvement) with Equifax

How an auto lender used Equifax Ignite Configurable Score - Auto

An auto lender looking to expand geographically and move from a prime-only to a full‑spectrum lender faced a major challenge: they needed to build a non‑prime/subprime scorecard quickly but had no internal risk tools, data, or resources for that population.

Working with Equifax, the team first validated a generic score and then deployed a configurable score using unique Telco and LexisNexis public record data via ACRO, delivering the solution in half the time and at half the cost. The new model delivered a 27% lift in KS over generic scores and a 16% improvement in bad-capture rate in the bottom 20%; the client previously had no non‑prime scorecard for direct comparison.