Creative Business Decisions is a decision management solutions company, headquartered in Princeton, New Jersey. Over the last 30+ years, we have worked for American Express, Citibank, Mercedes Benz, Nationwide Auto, Royal Furniture, Tidewater Lending, and hundreds of other large and small companies around the world, to optimize returns on their credit portfolios through our custom built empirical and behavioral scoring models. We help our clients: Increase their customer base without increasing risk Reduce default rates and save on credit losses Have consistency in decision-making Automate lending decisions Measurably lower the cost of collections Increase the lifetime value of customer relationships