Consumer Credit Data Services

Consumer credit file registration
By consumers' registration and creditors' inquiries, HL Consulting collects consumer credit information, and set up accurate and impartial consumer credit files. HL Consulting provides professional services of credit file registration and consumer credit information processing to government, industry association, banks, insurance companies, employers and agencies, etc.

Credit information inquiry
With its already established databases and databases under construction, HL Consulting provides consumer credit information inquiry services under the government's acts.

Credit Report

Standard credit report
Based on the scientific processing of credit information and in accordance with localized mathematics model, HL Consulting makes quantitative analysis of individual credit information and presents individual credit score reports. HL Consulting only provides credit investigation report service for legitimate users as defined by laws and regulations. The common version of generic reports follows Credit Scope 2000.

Customized credit report
According to various demands from different industries or businesses, HL Consulting provides customized credit reports to its customers, including credit investigation and score reports for credit card, student loan, home mortgage, auto loan, cash credit, and profession credit evaluation reports for practitioners.

Consumer Credit Risk Management

Consumer credit risk precaution (tracing and monitoring)
With the management of dynamic credit database as its base and its credit scoring and credit management technologies as measure, HL Consulting helps financial institutions, businesses, credit providers to complete the follow-up and monitoring of consumers after credit transactions, and also provides predicting services to identify the possible delinquent consumers by using real time credit analysis.

Tracing and identifying service on delinquent consumer
HL Consulting helps the legal end-users searching their customers in HL Consulting's credit information database with high successful rate and then identify the informant after the successful search.

Debt Management
On the base of our tracing and monitoring service, and with professional collection team and staff, HL Consulting provides debt collection services through call center, mail, E-mails and other legal methods. This service helps the clients to manage their debts in a cost effective means and with high collection rate.

Customized Solution

Consulting service for consumer credit management
HL Consulting provides a full package of professional consulting solutions in consumer credit management for financial institutions, public utility organizations, business and guilds. It helps the above organizations to establish and manage the consumer credit files of their clients, to make quantitive analysis on the credit records, to realize effective screening, evaluation, risk precaution, risk control and debts management, to establish internal risk management department, and an effective, scientific and low-cost consumer risk management system.

Outsourcing service in consumer credit management
With its professional staff and management techniques, HL Consulting provides outsourcing services on consumer credit management for financial institutions, public utility organizations, telecom business, retail businesses and guilds. The outsourcing services include establishing credit file as mandated by clients, designing credit payment tools, accepting credit application, conducting credit analysis, managing A/R, standard debts collection, etc. This service undertakes the major tasks of clients' credit management department and reduces their overhead. This is also a successful credit management solution for small and medium-sized business.

Developing and design of credit risk scorecards
HL Consulting can help banks, financial institutions, public utility organizations, telecom business, retail business and guilds in designing and developing mathematics scorecards for credit risk management. The scorecards enable our clients to make quantitive analysis on consumers' credit worthiness by using their own data, and to make scientific predicts on consumers' payment capability and delinquent rate, and to make a wise credit decision correspondingly.

Data mining Services：
Selection of the items & variables for database and scorecard; Development and comparison of the localized variables; Data relativity analysis and data rationalization; Proposing for its clients of transitional solution on credit rating in event of insufficient data resources.

 
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