Creative Business Decisions (CBD) was founded and incorporated in 1982 in the last 30+ years, the company has developed over 400+ credit risk assessment products for clients like American Express, Citibank, Mercedes Benz, Tidewater, Nationwide Acceptance, Yamaha, Verizon, and hundreds of other large and small companies. CBD has developed Artificial Intelligence and Machine Learning to its development methodology to further enhance its already advanced method of developing scorecards. We also developed the Loan Origination Software that is ideal for auto lenders and furniture retailers. It is a web-based sophisticated and secure software that allows lenders to receive applications, pull bureau reports, run decision rules and credit scoring scorecards, calculate complex pricing structures, generate reports and contracts, and link with various third-party providers. To optimize returns on their credit portfolios through our custom-built empirical and behavioral scoring models. We help our clients to: 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