The infoRate platform goes even further than the approach used by eScore. Using the infoRate system, you can access various data sources to assess a consumer. Depending on the configuration you require for an assessment, both internal information (e.g. payment experience from debtor management and reminders) and the experiences of the requesting company as well as data from qualified external sources are incorporated. The data sources include, for example, credit agency information, telephone and bank data registers as well as data from the AZ Direct address database, a member of the arvato infoscore Group. Using infoRate, all existing internal and external data can be condensed and integrated. The result is a customer-specific suggestion to assist you in making a decision. The service portfolio on the infoRate platform offers you address and credit rating checks, data management, risk analysis, the development of scorecards and the implementation of scoring solutions.

To meet your individual requirements, infoRate offers you, for example, the possibility of keeping user-specific negative lists that hold data records on customers who have already attracted attention through their negative payment behaviour or attempts at fraud. With the assistance of the negative list you can prevent such people from causing you repeated damage.

Apart from credit agency information from Germany, we also provide our customers with direct online information on people abroad via the infoRate system by working together with leading international credit agencies.

All of the services provided by the infoRate system are available as individual modules, customised to meet your requirements. The following modules are presently available:

• Checking for duplicates
• Validation of addresses
• Verification of addresses
• Micro-geographic analysis
• Negative list checks
• Positive list checks
• Validation of telephone numbers
• Plausibility checks for banking details
• Credit rating check
• Fraud prevention
• Scoring
• Decision-making components

As a system for making decisions regarding credit, infoRate also offers effective support in the application process for different credit products, among others for financial service providers. Apart from using credit agencies to check creditworthiness and identity, further criteria that are required for granting a loan are included in the decision-making process using a budget and debt account. infoRate can be used flexibly. It supports quick and secure transactions when granting loans.