More About CBD CREDIT:

CBD CREDIT
is a leading decision management solutions company, headquartered in Princeton, NJ.

For We have worked for American Express, Bank of New York, Citibank, Lacks Furniture, Mercedes Benz, Zales Jewelers and hundreds of other large and small auto financiers, banks, credit unions, department stores, insurance companies, jewelry stores, telecom and other utility companies around the world, to optimize returns on their credit portfolios through our custom built empirical and behavioral scoring models.

We help our clients to:

Increase their customer base without increasing risk.

Reduce default rates and save on credit losses.

Measurably lower the cost of collections.

Increase the lifetime value of customer relationships.


Placed among the Who's Who in Consumer Scoring by Credits & Collections World, we are perhaps the only company in the world, with the expertise and models to develop custom models for scoring both individuals and companies.

Dr. Pat Nanda, the Founder of the former company Creative Business Decisions, continues to work for CBD CREDIT, and is a globally recognized authority in the field of credit. Twenty four years ago, he saw an opportunity in the credit industry which was, at that time, using primitive tools to assess the credit worthiness of loan applicants. He observed frequent instances of inconsistent lending rules at different levels within an organization; major Banks going into foreclosure due to bad loans; insufficient and inefficient lending tools; and a high number of incidents of impartial lending practices.

Dr. Nanda recognized that a lender's profitability could be measurably improved by using statistical modeling techniques. CBD CREDIT is a credit scoring, risk assessment modeling, and consulting company. The company develops statistical models with applications in the areas of new account evaluation, tracking the behavior of existing accounts, and prioritization of collection activity.

With changes in the business environment, increased delinquencies, advancements in technology, and the changing demographics of consumers and businesses, CBD has evolved into a leading provider of credit scoring models, consulting and software solutions to the global credit industry.

More About our Software:

Our software can provide you with the industry's most robust and flexible Loan Origination system in an ASP environment.

The software provides application capture and processing along with bureau report-pulling, custom and generic scoring, policy and rules implementation, Tier based pricing, real-time report generation, collections and behavioral record analysis platform(s) with import/export facility, and much more in a highly secured environment.

The software, called 'DecisionStation', allows you to easily implement and manage scorecards and is fully integrated with the LS Retail.

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