> ## Documentation Index
> Fetch the complete documentation index at: https://docs.truv.com/llms.txt
> Use this file to discover all available pages before exploring further.

# Scoring Attributes for Lending

> Transaction-derived risk scores and financial metrics for credit decisioning

Analyze bank transaction data to generate risk scores, income metrics, and spending patterns for credit decisioning. Use scoring reports as an alternative or supplement to traditional credit bureau data. No hard inquiry on the consumer's credit report.

***

## Benefits

<CardGroup cols={2}>
  <Card title="No Hard Inquiry" icon="shield-check">Risk assessment without impacting the consumer's credit</Card>
  <Card title="Thin-File Lending" icon="user-plus">Score borrowers with limited credit history</Card>
  <Card title="Transaction-Based" icon="receipt">Scores derived from real bank activity, not models</Card>
  <Card title="Configurable Windows" icon="calendar">Analyze from 1 week to lifetime of data</Card>
</CardGroup>

***

## What you get

<CardGroup cols={2}>
  <Card title="Risk Scoring" icon="shield-check">
    * Overdraft risk prediction
    * Balance pattern analysis
    * Transaction behavior scoring
  </Card>

  <Card title="Income Detection" icon="money-bill-trend-up">
    * Derived income streams
    * Frequency and average amount
    * Monthly income projections
  </Card>

  <Card title="Balance Metrics" icon="scale-balanced">
    * Daily balance calculations
    * Minimum balance tracking
    * Balance trends over time
  </Card>

  <Card title="Spending Analysis" icon="chart-pie">
    * NSF fee detection
    * Debit activity ratios
    * Expense categorization
  </Card>
</CardGroup>

***

## Report purposes

| Purpose        | Use Case                                       | Fair Credit Reporting Act (FCRA) |
| -------------- | ---------------------------------------------- | -------------------------------- |
| `decisioning`  | Credit decisioning and loan approval           | Yes                              |
| `verification` | Underwriting verifications and income analysis | No                               |
| `analytics`    | Retroactive portfolio analysis                 | No                               |

***

## Use cases

<AccordionGroup>
  <Accordion title="Credit decisioning" icon="scale-balanced">
    Use transaction-derived risk scores and income metrics as an alternative or supplement to traditional credit bureau data. Particularly valuable for borrowers with thin credit files.
  </Accordion>

  <Accordion title="Underwriting verification" icon="file-check">
    Verify income claims and assess financial stability during the loan origination process using real bank transaction data.
  </Accordion>

  <Accordion title="Portfolio analytics" icon="chart-pie">
    Run retroactive analysis on existing portfolios to identify risk concentration and performance drivers.
  </Accordion>

  <Accordion title="Thin-file lending" icon="user-plus">
    Extend credit to underserved populations by supplementing traditional credit data with bank transaction signals.
  </Accordion>
</AccordionGroup>

***

## How to implement

| Path                                               | Code required | Best for                     |
| -------------------------------------------------- | ------------- | ---------------------------- |
| [Scoring API](/api-reference/data-structure)       | Custom        | Direct API integration       |
| [Smart Routing](/credit/integration/smart-routing) | Minimal       | Combined with other products |

See the [Scoring API reference](/api-reference/data-structure) for full request and response schemas.

***

## API reference

<CardGroup cols={2}>
  <Card title="Scoring Report" icon="chart-bar" href="/api-reference/data-structure">Scoring attributes and report schema</Card>
  <Card title="Bridge Token" icon="key" href="/api-reference/bridge-token/object">Create tokens for Truv Bridge</Card>
  <Card title="Users" icon="user" href="/api-reference/users/object">Create and manage users</Card>
</CardGroup>

***

## Next steps

<CardGroup cols={2}>
  <Card title="Scoring API" icon="code" href="/api-reference/data-structure">
    Full API reference and schema
  </Card>

  <Card title="Transactions" icon="receipt" href="/credit/products/bank-aggregation">
    Transaction data that feeds scoring reports
  </Card>
</CardGroup>