# Consumer Credit Analytics
source: https://developer.mastercard.com/consumer-credit-analytics/documentation/index.md

## Overview {#overview}

The Consumer Credit Analytics (CCA) service gives lenders near real-time access to Mastercard transaction-based credit scores and metrics. It generates a credit delinquency score and risk metrics for consumers by leveraging their Mastercard debit and credit transaction data.

Lenders are increasingly turning to alternative data sources to gain a clear picture of the true creditworthiness of a consumer in addition to their credit bureau reports. The Consumer Credit Analytics APIs allow financial institutions to keep a check on the credit footprint of a consumer by providing analytical data to assess their credit risk.

Lenders can leverage the consumer credit score to inform underwriting decisions for new loan applicants and monitor the performance of existing borrowers. They pay only for what they use, which helps them to manage costs based on API calls, reflecting each customer.

#### Key Features {#key-features}

|   |                                                                                                                                                                                                                                                                                                                                                                                                                                 |
|---|---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|
|   | **Custom Credit Score for credit delinquency** : Predict delinquency for a borrower based on updated transactional data processed through a proprietary engine tuned as per the lender's existing portfolio. **Score delivered in real time**: Quickly identify changes in performance with access to the recent probability of credit delinquency.                                                                             |
|   | **Mastercard Transaction metrics for optimizing consumer lending decisions** : Enhance consumer lending decisions by integrating diverse transactional data, such as industry, geography, channel, authorization, and account activity, into credit decision models. **Metrics delivered in real time**: Empower credit decision-making and swiftly identify performance changes with access to the recent transaction metrics. |

## How it Works {#how-it-works}

Consumer Credit Analytics (CCA) enhances the ability of a lender to predict loan performance of consumers with custom credit scores and metrics generated near real-time for credit delinquency and other use cases.

Mastercard has a rich dataset of transaction data for Mastercard issued cards. These transactions are then processed by Mastercard proprietary engine to produce card-level metrics like industry, geography, channel, authorization, account activity along with use of consumer delinquency history to calculate credit delinquency scores.

Lenders can request a delinquency score and credit risk metrics through our API for an individual cardholder who has provided consent to the lender for the use of transaction data for assessing creditworthiness.

![](https://static.developer.mastercard.com/content/consumer-credit-analytics/uploads/how-it-works2.png)

## Getting Started {#getting-started}

We have made it easier for you to start calling the Consumer Credit Analytics API within a few weeks time.
![Getting started 1](https://static.developer.mastercard.com/content/consumer-credit-analytics/uploads/getting-started-1.png)
**1. Create a Sandbox Project**

* Sign up for an account on Mastercard Developers
* Create a new project and get setup for sandbox testing
![Getting started 2](https://static.developer.mastercard.com/content/consumer-credit-analytics/uploads/getting-started-2.png)
**2. Integration and Testing**

* Integrate the Consumer Credit Analytics API
* Test the API in sandbox
![Getting started 3](https://static.developer.mastercard.com/content/consumer-credit-analytics/uploads/getting-started-3.png)
**3. Move Project to Production**

* Request production access
* Receive approval from Mastercard
* Gain access to production servers

##### Useful Resources {#useful-resources}

* We have created a [Reference Application](https://developer.mastercard.com/consumer-credit-analytics/documentation/reference-app/index.md) to get you started.
* Refer to the [Use Cases](https://developer.mastercard.com/consumer-credit-analytics/documentation/use-cases/index.md) for additional details on how the API works.
* Refer to the [Tutorials and Guides](https://developer.mastercard.com/consumer-credit-analytics/documentation/tutorials-and-guides/index.md) for additional guidance.

Tip: If you do not have a Mastercard representative, reach out for help from our [Support](https://developer.mastercard.com/consumer-credit-analytics/documentation/support/index.md#get-help) page.

## Next Steps {#next-steps}

When you are ready to use the APIs, refer to the [API Basics](https://developer.mastercard.com/consumer-credit-analytics/documentation/api-basics/index.md) page for API authentication, and environment details.