Decision Table is a turn-key solution that allows users to customize rules to facilitate automated credit decisioning managed through MicroBilt’s online interface. In just a few seconds, Decision Table can retrieve data from one or more credit bureaus, apply a company’s decision criteria, and deliver an answer back to the end-user or applicant with the appropriate offer.


This solution gives companies the ability to create an automated decision waterfall containing up to 25 different decision tiers by selecting from over 200 credit application and report attributes including:

  • Database Prescreen Attributes
    Bankruptcies/ Liens/Judgments, Evictions, Criminal, OFAC, etc…
  • Application Prescreen Attributes 
    Length-of-Residence, Employment, Rent/Own, Income, Loan Amount, etc…
  • Authentication Prescreen Attributes
    SSN Verification, Address Verification, Reported Fraud, Inquiry Activity, etc…
  • Credit Scores
    Multiple bureau scores and models may be utilized
  • Trade Line Activity Attributes
    Trades Past Due, Trades Delinquent, New Trades Opened, etc…
  • Negative Trade Line Attributes
    Foreclosures, Charge-Offs, Repossessions, Garnishments, etc…


Decision Table is perfect for small-to-mid sized lenders, retailers and other businesses that do not have development resources available to automate the credit decisioning process. As a result, the following benefits can be quickly realized with this solution:

  • Consistent Credit Decisioning – reduce the legal and financial risks associated with subjective credit decisions.
  • Easy Configuration – simply define decision levels and criteria for each product/service category that will be offed to applicants.
  • Fast Integration – Decision Table can be worked into a company’s own credit application or one provided by MicroBilt.
  • Strategic Control – quickly make changes to decisioning rules on-the-fly as revenue and market risks fluctuate without requiring any technical resources.

Customized Solution

Have one of our business service consultants contact you.