Alternative Score

Alternative Credit Score for applicants without credit history

An alternative credit score is a rating that estimates a person's likelihood of repayment using non-traditional data, such as telco signals, digital behavior, tax invoicing (SAT) and identity, instead of relying only on credit bureau history. It lets you assess applicants with no credit history without increasing your risk.

Score applicants who leave no trace in traditional sources, powered by nine alternative data families and models trained for thin-file populations.

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Transactions
2026, 03
● 2,912
● 3,876
● 189
EneMarMayJulSepNov
Validated Signals
✓
Email Address
Email Age = 15+ Years
✓
Phone Line
Validated · Active Line
Carrier: AT&T / Telcel
860
Digital Credit Score
Solvency
Shopper
Risk
Tech-Savvy
Gamer Profile

By incorporating Finvero alternative data, credit providers increase their approval rates for applicants with thin or no credit file.

Up to 2x

Higher approval rate in thin-file segments

98%

Coverage for underserved loan applicants

Up to 25%

Direct reduction in delinquency rates

Under 3 sec

Real-time response time for scoring and inference

How It Works

Alternative credit assessment in 3 automated steps

Transactions
2026, 03
● 2,912
● 3,876
● 189
EneMarMayJulSepNov
Validated Signals
✓
Email Address
Email Age = 15+ Years
✓
Phone Line
Validated · Active Line
Carrier: AT&T / Telcel
860
Digital Credit Score
Solvency
Shopper
Risk
Tech-Savvy
Gamer Profile

1. Assessment request via REST API

The customer starts the credit application in your mobile app or e-commerce site. Your platform sends a single REST API call with the user's minimum data (phone, email, IP or RFC) to start the analysis.

Social Media & Web Reputation
WhatsApp
LinkedIn
Instagram
+45
Telco & Spending Signals
Telco
E-Comm
Dispositivo
+30
Subscriptions & Recurring Payments
Netflix
Disney+
Spotify
+15
Credit Bureau, SAT & Identity KYC
SAT Fiscal
KYC INE
Bureau Círculo
+60

2. Multi-source enrichment in milliseconds

Finvero automatically queries and crosses 9 non-traditional data families: Telco signals, digital behavior, web reputation, SAT tax billing, geolocation, and identity to build the applicant profile.

Score Crediticio e Inteligencia Artificial

3. Explainable score and decision in under 3 seconds

The Artificial Intelligence engine processes the variables and returns the numeric score, the risk band and the main explainable decision reasons (SHAP) to approve automatically or speed up the review desk.

The Challenge

Your policy rejects healthy clients without you knowing how many

Credit decisioning

Boost your score with local digital footprint signals beyond traditional bureau data.

Coverage for profiles with no history
Scoring for the unbanked
Uncorrelated Gini uplift

Delinquency reduction

Add real-time behavioral signals to identify high-risk profiles before disbursement.

Hasta 25% menos impagos
Sharper segmentation
Early risk detection

Fraud detection

Use email and phone intelligence to separate real identities from fabricated profiles.

Synthetic identity detection
Advanced threat detection
Less fraud at onboarding

Real-Time Multi-Source Assessment

Alternative data integration and instant score calculation

Data Sources
Telco & Roaming ✓ Activo
Dispositivo & IP ✓ Activo
Bureau / Círculo ✕ NoHit
SAT / Ingresos ✓ Valid
Email & Digital ✓ Activo
Geolocation ✓ Activo
Web Reputation ✓ Activo
Solicitante ✓
Solicitante NoHit
📍 Mexico City, Mexico
Dispositivo: iPhone 15
Email Age: > 3.5 years
Score Riesgo: 742 (Aprobado)
Rendimiento KS +45% Aprobado
KS: 46% ROC: 84%

Collections management

Apply digital footprint data to prioritize the collections strategy and reach borrowers faster.

Higher recovery rates
Lower collection costs
Outreach focused on reachable borrowers

Identidad digital

Go beyond traditional document verification with AI-based identity validation.

Facial validation and biometrics
Cross-platform name matching
Geographic and IP consistency

What Your Operation Gains

Direct impact metrics on profitability and origination speed

Issue more without lowering standards

Approve requests currently dropped due to thin files without expanding risk appetite.

+25% to 45% credit approval rate
Coverage for thin-file profiles
Without changing policy or risk appetite

Measure before tweaking policy

Compare production models with champion/challenger to make evidence-based decisions.

Champion/Challenger comparison
Default rate under control (6.8%)
Simulation with real historical data

Less manual review

Decisions and reasons arrive in seconds to optimize and streamline control desk.

Score calculation in under 3 seconds
Fully explainable decision rules
Automated underwriting up to 85%

Single integration

Single API REST integration replaces managing multiple data vendors separately.

Single connection for 9 data families
Standardized variable schema
Direct savings in IT and development costs

Where Data Vendors End and Finvero Begins

Functional scope comparison between traditional alternatives and the Finvero architecture

Capability Credit Bureaus Open Banking Score Vendors Finvero
Multi-source alternative data Partial Bank only Partial 9 families
Score for thin-file & unbanked No No Partial KS 46% · ROC 84%
Champion/challenger in production No No Partial Yes
Origination → score → collections No No No Single integration

Who Uses It

Fast, flexible integration for financial institutions, regulated entities and fintechs originating credit in Mexico and LATAM.

SOFIPO · SOFOM · SOCAP

Grow lending to thin-file populations without spiking default rates.

Banking

Complements internal scores with non-bureau signals.

Merchant lenders & retail

Approve at point of sale with zero buyer friction.

Automotive

Evaluate applicants who don't qualify with traditional banks.

SME

Add tax, invoice and public registry data without manual analysts.

Risk score assessment
contacto@empresa.mx
✓ Validado
+52 55 8432 9100
✓ Active Line
Score Digital IA
842 Aprobado
Riesgo Estimado
Bajo (KS 46%)
ROC 84% Accuracy

Voices from Operations

What risk, data and technology leaders say

“My rejection rate is high and I don't know how much healthy business I am leaving on the table.”

Chief Risk Officer
Head of Risk
Financial Sector / SOFIPO

“I want to test a new model in production without risking the portfolio.”

Chief Data Officer
Head of Data
Banking & Fintech

“I need to see what the API returns before scheduling a call.”

CTO
CTO
Credit Platforms

“My funnel drops during the evaluation step.”

Chief Commercial Officer
Commercial Director
Retail & Financial Origination

Security & Compliance

Built to pass your vendor security assessment

International Certifications

ISO/IEC 27001:2013 & ISO 27701, and NOM 151 compliance.

  • ISO/IEC 27001:2013
  • ISO 27701 Privacidad
  • Cumplimiento NOM-151

Protected Personal Data

Binding Self-Regulation Scheme before INAI and LFPDPPP.

  • LFPDPPP Cumplida
  • INAI self-regulation
  • Cifrado bancario AES-256

Identity Validated at Source

Integration with RENAPO and official INE registry.

  • RENAPO validation (CURP)
  • Official INE registry
  • Blacklist filter (69-B)

Model Privacy

Your data doesn't train third-party models: used exclusively for your evaluation.

  • Cero entrenamiento cruzado
  • Exclusive use per client
  • Entornos aislados SOC2

Auditable Decisions

Each score retains underlying variables permanently and traceably.

  • SHAP explainability per rule
  • Permanent audit log
  • Reports for CNBV

FREQUENTLY ASKED QUESTIONS

Everything you need to know about integration and the Finvero Risk Score model

What is an alternative credit score?

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How is an alternative credit score different from a credit bureau score?

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What data does Finvero's alternative scoring use?

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Does this replace credit bureaus?

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Is it a black box?

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Does it work with my portfolio type?

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How good is the model?

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What do I need to integrate?

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Does it comply with data privacy laws?

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