SCCO – Swift Consumer Credit Office
This information system is essential to successfully manage the consumer credit business.
This system guarantees maximum debt portfolio quality for a credit business company.
Customers of all related systems are connected into one debt information system. This system differs from other debtor systems because it operates in real time mode and therefore provides the most up-to-date information. What a system participant connecting to the system sees is very important for assessing the customer’s solvency. This information is never late and is not affected by a human factor (“I enter information into the system only when I want”).
Main data fields on the basis of which the customer solvency in SCCO system is assessed are:
• Customer status: registered/unregistered
• Customer status: authorised/unauthorised
• Customer disconnected/active
• Date of last credit obtained
• Total number of taken credits
• Number of credit extensions
• Number of currently filed applications
• Total amount of taken credits
• Number of overdue credits
• Amount of overdue credits
• Current number of overdue credits
• Current amount of overdue credits
• Current amount of liabilities
• Credit repayment date