# Score for Consumers
source: https://developer.mastercard.com/consumer-credit-analytics/documentation/use-cases/consumer-scores/index.md

Consumer Credit Analytics (CCA) provides lenders with near real-time access to a custom credit score for consumer credit delinquency. The Custom Credit Score (CCS) API generates credit delinquency scores by leveraging Mastercard debit and credit transaction data of the card holder along with their past delinquency behavior.

## Pre-requisite {#pre-requisite}

Following are the pre-requisites to use this service:

* The lender needs to have the consent of the consumer before requesting the CCA API to fetch the delinquency score.
* The lender needs to have the following details:
  * Consumer PAN number
  * Issuer country code

## Sequence Diagram {#sequence-diagram}

Diagram consumer_scoring

### Following are the execution steps: {#following-are-the-execution-steps}

1. The consumer provides their primary Mastercard card number in their application to the lender. They also provide consent to the lender to use transaction data on the card to compute credit delinquency.
2. The lender sends the request to the Consumer Credit Analytics API to obtain the delinquency score for the Mastercard card held by the consumer.
3. CCA validates the request for an account number and if valid cardholder consent is present. The application computes the delinquency score for the request and responds to the lender.
4. The lender uses the delinquency score of the cardholder to make lending decisions.
5. The lender communicates the credit decision to the consumer.

You will receive an error response for an invalid request or any missing request parameter.
Note: It is recommended by Mastercard that the consent flag (part of request input) should always be linked to or referenced against your consent management system. The consent flag signifies you have consent from the consumer to request the data from Mastercard which would be utilized for your lending operations about the applicant only.

For more information about the error codes, refer to the [Code and Formats](https://developer.mastercard.com/consumer-credit-analytics/documentation/code-and-formats/index.md) section.

## Sample Request and Response {#sample-request-and-response}

For a sample request and response of this API, see [Retrieve Consumer Scores](https://developer.mastercard.com/consumer-credit-analytics/documentation/testing/scores-req-res/index.md).

## Use Case Examples {#use-case-examples}

Refer to the following use case examples relating to a real-world scenario:

* [Customer acquisition](https://developer.mastercard.com/consumer-credit-analytics/documentation/use-cases/consumer-scores/index.md#customer-acquisition/)
* [Credit line management of portfolio](https://developer.mastercard.com/consumer-credit-analytics/documentation/use-cases/consumer-scores/index.md#credit-line-management-of-portfolio)
* [Collections strategy](https://developer.mastercard.com/consumer-credit-analytics/documentation/use-cases/consumer-scores/index.md#collections-strategy)
* [Optimized cross-sell and upsell strategy](https://developer.mastercard.com/consumer-credit-analytics/documentation/use-cases/consumer-scores/index.md#optimized-cross-sell-and-upsell-strategy)

### Customer acquisition {#customer-acquisition}

A bank aims to expand its customer base by acquiring new applicants while managing credit risk effectively. CCS offers a transaction-based delinquency score for new applicants, allowing the bank to evaluate the creditworthiness of potential customers.

The bank can, leverage the POST `/scores` API to optimize approval rates, ensuring responsible lending while maintaining low credit risk.

### Credit line management of portfolio {#credit-line-management-of-portfolio}

A bank seeks to identify cardholders in their portfolio for credit line adjustments. CCS scores can be leveraged, where a high CCS score indicates a lower-risk cardholder, enabling the bank to increase their credit limit. Conversely, a low CCS score signals higher risk, allowing the bank to consider reducing the credit line to mitigate potential losses.

By using the POST `/scores` API, the bank can continuously assess customer risk levels, enabling proactive and data-driven management of their credit line. This further helps in optimizing portfolio performance and minimize credit exposure.

### Collections Strategy {#collections-strategy}

Banks want to efficiently prioritize delinquent accounts, assess potential collection losses, and identify the most effective recovery leads. CCS scores enable banks to conduct risk segmentation of their portfolio to identify high-risk customers, allowing allocation of resources more effectively toward borrowers with a higher likelihood of default.

By using the POST `/scores` API, banks can develop a data-driven collections strategy, estimating potential losses based on delinquency scores and optimizing recovery efforts.

### Optimized cross-sell and upsell strategy {#optimized-cross-sell-and-upsell-strategy}

A bank wants to identify low-risk customers to effectively cross-sell their financial products and upsell their premium card offerings. A deeper analysis of risk scores enables targeted customer selection, ensuring low-risk segments are prioritized for cross-sell and upsell opportunities.

By utilizing the POST `/scores` API, banks can assess cardholder creditworthiness, refining their strategies to maximize customer engagement and revenue.

## Endpoint {#endpoint}


API Reference: `POST /scores`