Start
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Credit Decision
Basic Credit Decision
Identity Workflow Decision
Risk-Based Decision
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Access Point
FLEX
Web Portal
API (System to System)
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Data Sources
Equifax
Experian
TransUnion
Other Hart has access to additional data sources.
Click here if you use additional sources in your decisioning process.
LexisNexis
TruLookup
The Work Number
Other Source
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Let's Get Started!

Do you have a file minimum
for inclusion?
Yes
Hit +3 tradelines
Hit +5 tradelines
Other
No (simply a credit data source hit)
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Automatic Manual Review

Do you have a file minimum for inclusion?

Consumer Statement
Victim Statement
Deceased
MLA
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Do you want Hart to interrogate fraud messages?

Do you want Hart to interrogate fraud messages or should any message simply cause deal to move to manual review?

Yes Hart can interrogate fraud messages to provide recommended remediation.
No Pass all fraud messages and keep running the deal.
Other Any returned fraud messages move loan process to manual review status.
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Let's talk scores
VantageScore 3
VantageScore 4
Bankruptcy Score
FICO
Zest AI
Alternative Data
Other
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Do you use a dual score matrix?
Yes
No
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Let’s dig into some details...

Bankruptcies

Bankruptcies: Where is the focus?
Chapter 7
Amount greater than X
Chapter 11
Amount greater than X
Chapter 13
Amount greater than X
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Liens and Judgments
Yes I access an additional data source to capture these
No I know these are not on the credit report
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Collections

Collections: Where is the focus?
Open Collections
All amounts
Minimum amount
Paid Collections
Ignore Medical Collections
Ignore if older than X months
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Tradelines

Tradeline Details
Ever 30 DPD
Ever 60 DPD
Ever 90 DPD
Ever 120 DPD
In the last X months
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Additional Calculations to include

More options
Debt to income
Loan to value
Secured vs unsecured mix
Available credit
Trended insights
Balance magnitude or excess payments
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Other key items

Are there other key items you would like to include in your decisioning process?

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Review
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Back Submit

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