Individual entrepreneur scoring

Assessment of the probability of default by an individual entrepreneur, based on the data from open sources and credit history

A scoring model will be useful for assessment of the solvency and monitoring of an individual, registered as an individual entrepreneur.

High accuracy of prediction is achieved by taking into account the integrated influence of factors of credit history, the Unified State Register of Legal Entities and Individual Entrepreneurs, the Unified State Register of Enforcement Proceedings. Building of the model involved the analysis of data from more than 900,000 individual entrepreneurs.

Individual entrepreneur scoring is possible only for an individual who is registered as an individual entrepreneur, and has at least a 3-month long credit history.

What it includes:

Currently valid identification data of a borrower and the data update history.

Register of Requests

Real-time provision of the information on the number of requests made for the subject.

Credit history subject warnings

A comment from the subject, a report about a lost passport, a dispute concerning a loan contract, or enabled FREEZE option.

Individual entrepreneur scoring

The scoring model demonstrates the probability of default by an individual entrepreneur.

Goal function
Payments overdue by more than 90 days, and amounting to more than 500 UAH
Data from the Unified State Register, enforcement proceedings, credit history
Intellectual analysis of a text, gradient boosting
Default probability based on score
Report processing
This method of reporting enables the automated processing of requests, and provides reports in the format of your choice.
General structure of interaction:
Http Method
Request URL
Test URL

 Requesting a report is possible only subject to the legal entity’s consent

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