An effective credit arrangement requires cooperation between us and you, the customer.

There are many factors at play — above all, what your risk is with regard to a failure to pay, versus your profit if your customer does pay. Together with you, we set the limits within our unique credit scoring systems. We help you with our knowledge of different markets, with the end result being a solution that simply gives a yes or no in real time to the question — should this customer be offered credit?

Furthermore, when a working process is in place, we should not simply be satisfied with it. We should follow up the outcomes, constantly challenging the current model with a new and improved version. Keep getting better at providing information — to provide you with better, more reliable information

We believe that this is how credit scoring should be done.