Credit Line Increase & Repricing
Give qualified borrowers your strongest offer
Use real-time debt data to identify borrowers who may qualify for higher lines or better terms.
How out of date is your credit data?
13pp
Average difference between reported and actual utilization at decision
1 in 3
Bureau balances are off at time of decision
22 days
Average bureau balance lag
Bigger lines
When a borrower's real-time liability profile supports a higher limit than what was reported at approval, lenders can extend more.
Better rates
When a borrower's debt load is lower than what they were priced on, lenders can offer improved terms.
Positive-only, by design. This can only extend an existing approval. It never reduces or reverses one.
Three entry points along the borrower journey
Why lenders build this
Larger funded loans
Extend a bigger line or loan amount to borrowers who already qualify for more.
Increase offer acceptance
A stronger offer means fewer approved borrowers walk away.
Grow customer lifetime value
A borrower who gets your best offer the first time is more likely to come back for the next one.
Ready to capture more funded volume?
Book a demo to see how CLI & Repricing can help you identify opportunities to extend more credit and improve pricing.