--- title: Microclimate Credit Scores | Alternative Lending | Ai Lift | Accelitas description: Accelitas created the Microclimate™ Credit Score – alternative data that allows lenders to find previously rejected but creditworthy applicants. Learn more! image: https://knowledge.accelitas.com/hubfs/image-2.png --- [![accelitas-circle-logo_bright-green_web](https://knowledge.accelitas.com/hs-fs/hubfs/accelitas-circle-logo_bright-green_web.png?width=1500&height=1501&name=accelitas-circle-logo_bright-green_web.png "accelitas-circle-logo_bright-green_web")](http://www.accelitas.com) - [Home](https://www.accelitas.com/) - [Solutions](https://www.accelitas.com/bank-account-validation) - [Bank Account Validation](https://www.accelitas.com/bank-account-validation) - [Lead Screening](https://www.accelitas.com/lead-screening) - [Credit Scoring](https://www.accelitas.com/custom-credit-scoring) - [Accelerated Insight Platform](https://www.accelitas.com/accelerated-insight-platform) - [Use Cases](https://www.accelitas.com/use-cases) - [Industries We Serve](https://www.accelitas.com/use-cases) - [Collections](https://www.accelitas.com/use-cases-collections) - [Billers](https://www.accelitas.com/use-cases-billers) - [Fintechs](https://www.accelitas.com/use-cases-fintechs) - [Storefront Lending](https://www.accelitas.com/use-cases-storefront) - [Payroll Providers](https://www.accelitas.com/use-cases-payroll-providers) - [Payment Processors](https://www.accelitas.com/use-cases-payment-processors) - [Resources](https://www.accelitas.com/resources-overview) - [Resources Overview](https://www.accelitas.com/resources-overview) - [Blogs](https://knowledge.accelitas.com/blog) - [Fact Sheets](https://www.accelitas.com/fact-sheets) - [Case Studies](https://www.accelitas.com/case-studies) - [eGuides](https://www.accelitas.com/eguides) - [Executive Briefs](https://www.accelitas.com/executive-briefs) - [Webinars](https://www.accelitas.com/webinars) - [Videos](https://www.accelitas.com/video-center) - [Press Releases](https://www.accelitas.com/press-releases) - [Developer Portal](https://devportal.accelitas.com/) - [About](https://www.accelitas.com/company-and-mission) - [Company and Purpose](https://www.accelitas.com/company-and-mission) - [Leadership](https://www.accelitas.com/leadership) - [Investors + Advisors](https://www.accelitas.com/investors-advisors) - [Partners](https://www.accelitas.com/our-partners) - [Careers](https://www.accelitas.com/careers) - [Process and Pricing](https://www.accelitas.com/process-and-pricing) - [Request a Demo](https://www.accelitas.com/contact-us) - [Home](https://www.accelitas.com/) - [Solutions](https://www.accelitas.com/predict-credit-1) - [Bank Account Validation](https://www.accelitas.com/bank-account-validation) - [Lead Screening](https://www.accelitas.com/lead-screening) - [Credit Scoring](https://www.accelitas.com/custom-credit-scoring) - [Accelerated Insight Platform](https://www.accelitas.com/accelerated-insight-platform) - [Resources](https://knowledge.accelitas.com/blog) - [Blogs](https://knowledge.accelitas.com/blog) - [Fact Sheets](https://www.accelitas.com/fact-sheets) - [Case Studies](https://www.accelitas.com/case-studies/) - [eGuides](https://www.accelitas.com/eguides) - [Executive Briefs](https://www.accelitas.com/executive-briefs) - [Webinars](https://www.accelitas.com/webinars) - [Videos](https://www.accelitas.com/video-center) - [Press Releases](https://www.accelitas.com/press-releases) - [Developer Portal](https://devportal.accelitas.com/) - [About](https://www.accelitas.com/about/) - [Company and Purpose](https://www.accelitas.com/company-and-mission) - [Leadership](https://www.accelitas.com/leadership) - [Investors + Advisors](https://www.accelitas.com/investors-advisors) - [Partners](https://www.accelitas.com/our-partners) - [Careers](https://www.accelitas.com/careers) - [Process and Pricing](https://www.accelitas.com/process-and-pricing) - [News & Events](https://www.accelitas.com/news-events/) - [News & Events](https://www.accelitas.com/news-events) - [Contact Us](https://www.accelitas.com/contact-us/) # Microclimate™ credit scores deliver a timely alternative to traditional credit scoring SHARE [![twitter](https://www.curvedental.com/hs-fs/hubfs/April%202022/twitter-new-logo.png?width=20&name=twitter-new-logo.png)](https://twitter.com/intent/tweet?text=https://knowledge.accelitas.com/blog/microclimate-credit-scores-timely-alternative) ![image-2](https://knowledge.accelitas.com/hs-fs/hubfs/image-2.png?width=541&name=image-2.png) ## *Participants in a recent webinar learn how Accelitas is using AI and alternative data to create a new definition of creditworthiness* ## **(Third in a three-part blog) ** The recent pandemic has shaken the lending industry, and let’s be honest: it was an uncertain marketplace to begin with. In our recent webinar, *Lending During a Crisis*, Accelitas Data Scientist **[Steve Krawczyk](https://www.accelitas.com/steve-krawczyk)** and CEO **[Greg Coté](https://www.accelitas.com/greg-cote)** showed participants how advanced predictive analytics allow lenders to create credit scores fine-tuned to their specific business, and why these custom **[Microclimate™ scores](https://accelitas.vids.io/videos/ac9cd6b9181ae6c125/accelitas_ai-lift_predict-credit-mp4)** provide an advantage in today’s market and beyond. Lenders are able to significantly grow their pool of creditworthy borrowers by using AI and machine learning to better identify, classify, predict and explain credit decisions. While lending decisions may have gotten more difficult, predictive analytic techniques are a game-changer and opening doors to more lending opportunities: - Relevant and timely data, custom scores, and the ability to move quickly in a dynamic market are key to growing business - A multidisciplinary approach using AI and alternative data can find the creditworthy consumers traditional scoring methods miss - Microclimate credit scores can be fine-tuned to your geography, channel, segment and product - **[Ai Lift](http://Accelitas.com/ai-lift)** from Accelitas is delivering twice the predictive lift over industry average  ## See for yourself. [For a limited time, you can watch an on-demand recording of the entire webinar **h**](https://knowledge.accelitas.com/covid-ondemand-webinar-video-0)**ere**. [![VIEW WEBINAR](https://no-cache.hubspot.com/cta/default/1877841/054e56e1-4bab-4e1c-976b-e43d216a56b8.png)](https://cta-redirect.hubspot.com/cta/redirect/1877841/054e56e1-4bab-4e1c-976b-e43d216a56b8)    Tags: [Machine Learning](https://knowledge.accelitas.com/blog/topic/machine-learning), [lending](https://knowledge.accelitas.com/blog/topic/lending), [AI Lift](https://knowledge.accelitas.com/blog/topic/ai-lift), [Accelitas](https://knowledge.accelitas.com/blog/topic/accelitas), [credit risk management](https://knowledge.accelitas.com/blog/topic/credit-risk-management), [Artificial Intelligence](https://knowledge.accelitas.com/blog/topic/artificial-intelligence), [Alternative Data](https://knowledge.accelitas.com/blog/topic/alternative-data), [Credit Risk Web Service](https://knowledge.accelitas.com/blog/topic/credit-risk-web-service), [Credit Risk](https://knowledge.accelitas.com/blog/topic/credit-risk), [credit screening](https://knowledge.accelitas.com/blog/topic/credit-screening), [predictive analytics](https://knowledge.accelitas.com/blog/topic/predictive-analytics), [credit decisions](https://knowledge.accelitas.com/blog/topic/credit-decisions), [AI-Powered Analytics](https://knowledge.accelitas.com/blog/topic/ai-powered-analytics), [Automated Lending](https://knowledge.accelitas.com/blog/topic/automated-lending), [point-of-sale data](https://knowledge.accelitas.com/blog/topic/point-of-sale-data), [custom credit score](https://knowledge.accelitas.com/blog/topic/custom-credit-score), [COVID-19](https://knowledge.accelitas.com/blog/topic/covid-19), [Real-time Data](https://knowledge.accelitas.com/blog/topic/real-time-data), [Coronavirus](https://knowledge.accelitas.com/blog/topic/coronavirus), [Essential Retail Transactions](https://knowledge.accelitas.com/blog/topic/essential-retail-transactions), [Creditworthy Borrowers](https://knowledge.accelitas.com/blog/topic/creditworthy-borrowers), [Microclimate Score](https://knowledge.accelitas.com/blog/topic/microclimate-score) Posted by [Accelitas Marketing](https://knowledge.accelitas.com/blog/author/accelitas-marketing) on 10/19/20 12:34 PM ## **Ready to reimagine financial access?** Call us at +1 [415-842-7700](tel:4158427700) or email [info@accelitas.com](mailto:info@accelitas.com?) 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