At the request of a member, the bureau is able to perform a portfolio scrub of the member's loan book. This service is a comprehensive review of each loan account with a view to flag it for proactive monitoring in case it shows signs of weakness. Alternatively accounts that are found to reflect strong credit discipline and payment capacity can be identified for credit limit increases and cross-selling loan products. These reviews can be ordered with or without credit scores. The results are provided in a format that can be embedded in the member's database for analytical purposes. This service is available both to consumer and micro-finance members. Portfolio Review with Credit Scores is only available to members of the consumer bureau.