These alternative credit scores are either less popular with lenders in general or used for niche purposes.
Equifax credit score: Equifax created its own proprietary scoring model, which you can access for $15.95 for a 30-day period. TransUnion CreditVision Link: CreditVision Link is TransUnion’s proprietary credit scoring system, and it combines traditional score factors with alternative data, like deposit account history, short term lending, and address stability, to provide scores for more people. PRBC alternative credit score: The PRBC Credit Score, with a range of 100 – 850, takes into account rent payments, internet and phone bills, utility payments, insurance, and rent-to-own properties, in addition to traditional credit factors. LexisNexis RiskView score: The RiskView score draws on traditional and alternative data sources to provide scores for consumers who typically couldn’t be scored, including information like residential stability, asset ownership, derogatory status, and life-stage analysis. LexisNexis Payment score: The Payment score ranges from 501 to 900 and is designed for collection agencies. It helps predict how likely a person is to pay off their collection accounts so agencies can better focus their efforts. LexisNexis Order score: The Order score helps businesses verify online shoppers, detecting high-risk transactions and preventing fraud with tools like identity and address verification. LexisNexis PowerView score: The PowerView score is used by auto lenders, and incorporates alternative data along with traditional credit scoring factors. SageStream Credit score: SageStream is a credit reporting agency, albeit a far less popular one compared to Equifax, TransUnion, and Experian. The SageStream score ranges from 001 – 999. It’s used by different types of companies, from auto lenders to retailers and from credit card issuers to mobile phone providers.