Yes, 247 Lender is a decision model that lets you give automated approvals 24 hours a day, 7 days a week.  Lender*VP has partnered with Portfolio Defense Consulting Group, a recognized expert in consumer credit risk management and modeling.  Using data from CU*Answers' own clients, Portfolio Defense worked with us to develop a customer empirical model that is based on actual sampling of varying sized credit union loans.  The sampling includes hundreds of performing and delinquent loans.  Credit files for these loans were reloaded at Zoot and used as a predictive base to help evaluate a model's performance.  Reports can be pulled from TransUnion, Experian, or Equifax.