Scoring Solutions provides credit and marketing scorecards, credit bureau attributes, ASP attribute and scoring services, segmentation systems, training and validation services. Since 1993, Scoring Solutions has developed predictive models and provided related consulting services to banks, credit card issuers, auto finance companies, consumer finance companies, commercial and small business lenders, retailers, collection agencies, credit unions, credit bureaus, payday lenders, telecommunication firms and utility providers globally. Scoring Solutions has developed and markets scoring models that are tailor-made for several industries. These include: the wireless communications, telecommunications, and energy scorecards with Trans Union; CyberScoreTM with Teletrack and the Clear TradelineTM risk score with Clarity Services. Additionally, Scoring Solutions provides and supports scorecards used by Cypress Software Systems and GDS Link customers. Unlike many of our competitors, one of the owners of Scoring Solutions is actively involved in every client project. Customers benefit from the 20+ years of experience that each of these individuals brings to the project and also ensures that the necessary resources are available and that there is continuity following completion of the project. Scoring Solutions is unbiased with regards to data and has extensive experience developing predictive models that consider data from many sources. Some of our competitors have a significant interest in selling their credit or marketing database products or their software systems. Scoring Solutions provides an analytical consulting service that is objective and singularly focused.