Wiping Borders
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    • Home
    • About Us
    • Newcomer Score
    • On Time Score
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  • Home
  • About Us
  • Newcomer Score
  • On Time Score
  • Refugee Housing

What is On-Time Score?

The On-Time Score is an alternative credit profiling tool that provides lenders with reliable insights into a borrower’s financial reliability by leveraging rental and utility payment histories. Designed for individuals with limited traditional credit data, it offers a new way to assess creditworthiness, expanding lending opportunities without increasing risk.

How On-Time Score Works for Lenders

Data Collection:

We aggregate verified rental payment records from our extensive network of landlords.

Utility payment histories are collected from trusted service providers.


Data Integrity and Verification:

Our rigorous validation processes ensure the accuracy and reliability of all data points.

Only consistent and complete payment records are included in the final score.


Score Generation:

Proprietary algorithms analyze the payment patterns to generate a comprehensive On-Time Score, tailored to meet lender-specific risk assessment needs.


Delivery and Integration:

The On-Time Score is seamlessly integrated into your existing risk evaluation systems, providing actionable insights to support mortgage approvals.

Why Lenders Choose On-Time Score

Expand Your Market: Access a growing segment of potential borrowers with limited or no traditional credit history.


Reliable Data: Trust in our expertise to deliver verified and comprehensive payment histories.


Enhanced Risk Assessment: Reduce uncertainty and make better-informed lending decisions.


Partner with Us

Ready to unlock new lending opportunities with On-Time Score?


Contact Us to learn more about integrating On-Time Score into your mortgage evaluation process.

Contact Us

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Wiping Borders Consulting Inc.

+1 6479470283

info@wipingborders.org

604 - 350 Queens Quay W, Toronto, Ontario, M5V 3A7, Canada

Copyright © 2024 Wiping Borders Consulting Inc.

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