UniScore
Credit decisions you can explain
UniScore brings credit bureau data, affordability insight and your lending policy together in one decisioning engine. One request returns a consistent result, whichever agencies sit behind it.
Built for high-volume online lending, it is the engine behind UniLend and can be called by any other platform through its API.
Key features
Multi-bureau credit searches
Run soft or hard searches against more than one UK credit reference agency from a single request, with results normalised into one format.
Affordability and income insight
Bureau-derived income and expenditure estimates sit alongside the credit file, ready for your affordability rules.
Account-level history
Every search is stored with its score, decision and the underlying account and payment history, so underwriters can review the detail later.
Consistent decisions
The same inputs give the same answer, with the reasons recorded, supporting fair, explainable lending decisions.
API and client library
A documented REST API plus a published .NET client library let your developers integrate in hours, not weeks.
Secure administration
A web admin portal with Microsoft Entra ID single sign-on for searching, viewing and auditing credit checks.
Works with the UniDat suite
- UniLend calls UniScore automatically during each application.
- UniAccounts can use decision data as context for loan-level reporting.
- Use it on its own behind any loan origination system.
Talk to us
Want consistent, auditable credit decisions without building bureau integrations yourself? Get in touch.