I like that it helps us understand our risk better than if only using FICO score alone (we have other factors in mind as part of my job). It's nice how easy is for people who are not trained or familiar with credit scoring process can easily use this tool without any difficulty. The layout could be more user friendly especially when comparing multiple users from different companies/brands at one time. Also some parts require login which makes me feel less comfortable about sharing information online because i don't know what data will they see once logged into site? This software has helped improve understanding between myself & team members regarding potential risks associated with customers' accounts.