Major credit bureaus were mandated to remove liens and civil judgments from credit reports, which were previously essential for lending decisions for over 20 years. This removal of data will impact lenders' ability to accurately assess risk and could result in higher default rates if not addressed. LexisNexis Risk Solutions offers the LexisNexis RiskView Liens and Judgments Report to provide lenders continued access to lien and civil judgment data through their advanced identity linking and public records collection capabilities, maintaining reliable credit analysis.

2. Last year the national credit bureaus were mandated to
make major credit report changes:
Liens and civil judgments have been
essential in lending for 20+ years…but
that’s changing
of tax liens no
longer available
of civil judgments
no longer available
98% 50%
No more leaning on certain liens & judgments

3. Can you trust your judgment?
Liens and judgments are highly predictive of
default rates. Can you maintain predictive
power (and good regulatory standing)
without them?
How it will impact performance/profitability?
How will this impact your critical decision
workflows, models and scorecards?
Will this loss of data impact your ability to
balance growth with acceptable default rates?

4. Lack of lien &
judgment data can
hide true risk
~11% of U.S. consumers (25M) have
a tax lien or a civil judgment
— Almost 10M have > 1
Removing liens and
judgments a credit score
10+ points on avg2
1 LexisNexis data
2 Vantagescore.com - “Impact to VantageScore
3.0 Credit Score Model from Revisions to
Public Record Reporting”, June 2016
Consumers with a lien or
judgment record on file are
likely to default than
those without1
Lowest scoring bands
(<620): nearly half receive
an increase of 20+ points
~2x more

5. You may feel like you’re faced with two
undesirable options
Ride it out and
hope for the
best—a known
risk, considering
the impact of this
data on scores…
Or take on unknown
risk by tinkering
with your models
and processes—
and risking higher
default rates?

6. You need a more palatable plan
WHAT IF YOU COULD CONTINUE TO LEVERAGE LIEN
AND CIVIL JUDGMENT DATA…
…with greater
reliability and
confidence?

7. Lean on LexisNexis®
Risk Solutions to
maintain a robust
credit analysis
Advanced Linking Technology
Credit bureau header data, expansive
public records, and 100s of other sources
plus HPCC Systems® supercomputer
technology provides
LexID® identity linking
Current Insights
Nationwide network
of court runners
Proven Results
LexID® yields more than
99% linking accuracy

8. LexisNexis® RiskView™ Liens
and Judgments Report offers
you uninterrupted access to
the lien and civil judgment
data
Contact us at
lexisnexis.com/CreditRisk

9. About LexisNexis® Risk Solutions
At LexisNexis Risk Solutions, we believe in the power of data and advanced
analytics for better risk management. With over 40 years of expertise, we are the
trusted data analytics provider for organizations seeking actionable insights to
manage risks and improve results while upholding the highest standards for
security and privacy. Headquartered in metro Atlanta, LexisNexis Risk Solutions
serves customers in more than 100 countries and is part of RELX Group plc, a
world-leading provider of information and analytics for professional and business
customers across industries. For more information, please visit
www.lexisnexis.com/risk.
LexisNexis, the Knowledge Burst logo, and LexID are registered trademarks of RELX Inc., used
under license. HPCC Systems is a registered trademark of LexisNexis Risk Data Management
Inc. RiskView is a trademark of LexisNexis Risk Solutions FL Inc. Copyright © 2017 LexisNexis
Risk Solutions. All rights reserved.