Product

Bankruptcy Navigator Index 4.0

Stay ahead of bankruptcy risk with our most predictive score ever

Identify the Hidden Signs of Financial Strain

Lending is all about predicting what lies ahead — be it opportunities for growth or threats on the horizon. For lenders, there’s no bigger threat than bankruptcy. Unfortunately, today’s shifting market dynamics and consumer behaviours are making these threats harder to see.

Not all customers experiencing severe financial strain exhibit delinquencies on their accounts, and in this rapidly evolving market, some scores and models may not be equipped to accurately assess the warning signs of potential bankruptcy.

Bankruptcy Navigator Index® 4.0 (BNI 4.0) helps you identify the warning signs of bankruptcy, even in customers who’ve never missed a payment. The latest in bankruptcy risk assessment from Equifax, BNI 4.0 helps you efficiently monitor portfolios. So you can better identify vulnerable customers and respond accordingl

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Address Potential Bankruptcies Before They Impact Your Portfolio

How does BNI 4.0 work? It gives you a score from 1-999 that predicts the likelihood of consumer bankruptcy within the next 24 months. The lower the score, the higher the risk of bankruptcy. What has changed from previous versions? With a new exclusive ability to integrate consumers’ historical information — including mortgage, telecom, and payment data, plus trended attributes — BNI 4.0 is our most predictive bankruptcy score ever.

What Sets Us Apart

Enhanced Predictions

Exceeds predictiveness of previous versions by up to 5.8%.

Efficient portfolio management

Monitor your customer base for warning signs of financial strain and bankruptcy.

Trended Attributes

Leverages comprehensive and trended data sets for the best possible insights.

Easily Integrated

Allows for seamless integration with other scores, models, and data to boost performance.

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Score Complete
Assess the risk of all applicants, including new-to-credit customers
Equifax Risk Score 2.0
Deeper credit and valuation drives smarter business decisions
Have Questions?

Connect with a rep to learn more about how Bankruptcy Navigator Index 4.0 can help you better predict and respond to bankruptcy risk.

Have Questions?

Connect with a rep to learn more about how Bankruptcy Navigator Index 4.0 can help you better predict and respond to bankruptcy risk.