Tell the AI what matters to you when evaluating an applicant. It will build your qualification tiers from the full credit report — score, collections, bankruptcies, inquiries, delinquencies, anything.
You
I need to make sure that they have at least a 500 credit score, that they have no late payments, and that they have at least 5 trade lines.
AI Assistant
Great, that's a solid foundation. A couple quick questions:
1. **Which bureau** should we pull from? (TransUnion, Experian, or Equifax — or a waterfall combo?)
2. **Which score model** should we use? (FICO 8, FICO 4, or VantageScore 4.0?)
AI Assistant
Got it — Experian, FICO 8.
One last question: **How many tiers do you want?**
For example:
- A simple **Approve / Decline** setup
- Or something like **Tier 1 / Tier 2 / Decline** with different messaging per band
AI Assistant
Here's your tier configuration:
[Tier configuration updated]
Would you like to adjust anything — messaging, thresholds, or add any additional criteria?