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The Owned Digital Workforce Platform

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AI Agent AI-Powered Credit Risk & Loan Origination Platform Active

Credit Scoring Agent

Performs tri-bureau credit pulls (Experian, Equifax, TransUnion), calculates FICO 9 and VantageScore 4.0, runs proprietary XGBoost ML model with 156 features, analyzes 7+ years of credit history, calculates utilization ratios and payment behavior metrics.

Agent ID credit-scoring
Sector Human Resources Technology (HRTech) / Benefits Administration
Status
Operational

Problem Statement

The challenge addressed

Credit assessment requires pulling reports from multiple bureaus, running various score models, analyzing credit history depth, and incorporating alternative data sources for thin-file applicants.

Core Logic

How the agent solves it

Performs tri-bureau credit pulls (Experian, Equifax, TransUnion), calculates FICO 9 and VantageScore 4.0, runs proprietary XGBoost ML model with 156 features, analyzes 7+ years of credit history, calc...