MasterScore® v2

MasterScore® v2 allows lenders to automate and improve their credit decisions while providing predictive abilities that are superior to trade credit data. It’s an ideal solution for lenders servicing multiple industries.


  • Overall ROC increase of 32%, from 0.729 for MasterScore v1 to 0.803 for MasterScore v2 and overall K-S increase of 35%, from 34 to 46
  • 37.7% fewer losses versus a typical credit score without reducing originations
  • 17.7% increase in approvals without increasing defaults

About MasterScorev2

MasterScore v2’s powerful ability to predict borrowers’ risk leads to improved decisioning power and increased profitability. 

MasterScore v2 is developed from the largest pool of term debt leases and loans ever compiled to predict 90+ days past due (DPD) on a 3-digit scale. It focuses on the many factors in a borrower’s profile that are most predictive of repayment and offers the most comprehensive solution to managing risk. 

The MasterScore v2 contains a total of 587 variables and 135 unique variables. It was built using an extraordinarily large development sample, over 3 million transactions and 135,000 defaults, which made it possible to build specialized scorecards, 29 scorecards in all, based on borrower industry, size, age, or some combination.

To learn more how the MasterScore v2 can improve your decision making, contact us today.