Alternative Credit Data Insights

Clarity Services, a part of Experian, offers you an extensive library of whitepapers, reports, infographics, videos, case studies, and more about alternative credit data developed by our knowledgeable experts. Use these resources to find answers to complex business problems and gain insights into the fast moving world of subprime credit data.

Optimized Decisioning for Today’s Risk Manager

An eGuide to Risk Mitigation
In our data-driven world, lenders who do not utilize updated underwriting tools accounting for today’s industry trends are at a serious disadvantage. That’s why more lenders are turning to alternative credit data.

Featuring the most nonprime consumer data of any credit bureau, information at Clarity is constantly updated.

Underwriting Tools for Rapid Evolution
Today’s lender is confronted with a continually changing nonprime market. Clarity’s solutions are

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    Webinar: Optimizing the Usage of Alternative Credit Data in Auto Finance

Webinar: Optimizing the Usage of Alternative Credit Data in Auto Finance

A webinar on auto finance. Recorded January 15, 2019
Step into the future of customer acquisition and put the data to work for you!
The drive to approve as many consumers as possible and boost revenue can leave auto lenders vulnerable to fraud or default. Augmenting a traditional credit report with alternative credit data allows lenders to expand their approval criteria without the additional risk, opening the door to a

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How to Unmask a Fraud Ring

Clarity’s fraud team exercises round-the-clock vigilance by utilizing the subprime credit industry’s largest database. Below are the details of one example of how Clarity works with clients for industry-leading security against fraud.
Fraud Ring Moniker: Excel Vision Capital

Modus Operandi: Listing “Excel,” “Vision” or “Capital” as employers on applications, among other red flags

Clarity Fraud Team Member: Bruno Gomes, Certified Fraud Examiner, 14 years of experience

The Win: Proactive information sharing and

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    Lending Risks in Today’s Alternative Financial Services Market

Lending Risks in Today’s Alternative Financial Services Market

The Subprime Population is Broad and Diverse

Given the variability of the subprime consumer population, individuals seeking alternative financial services each carry their own unique history. But accessing a more complete view can be a challenge.
In this piece, we explore some of the challenges lenders encounter while looking to expand their consumer universe:

Concerns for mass migration online
Risks worth taking (and avoiding)
How to unmask a

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Millennial Lending: Adulthood Means More Personal Debt

There’s one fact about millennials that may be lost upon most, except for an increasing amount of lenders: all members from the generation known for college debt are now officially adults.

That’s according to Pew Research Center, which uses 1996 as the cut-off year of birth defining the generation.

Moneylenders may not be surprised because they’re the ones underwriting a growing share of personal debt to young adults. While building a

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The Evolution of Credit-Risk Evaluation

The Evolution of How Lenders View Credit-Risk Evaluation

These days, the predictive nature of the best data available in approving loans can have an immediate impact on a lender’s business. The underwriting process has changed quite a bit throughout the past decade. The better lenders understand why that is, the more you might grasp what moves to make today for a better tomorrow.
In our latest spotlight on credit-risk evaluation,

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How to Think About First-Party Fraud

First-party fraud may feature multiple forms of deception which vary in sophistication, but it often begins with a basic premise – with applicants who simply present themselves as the borrower. They use their own identity, or parts of their identity, with the intent to defraud for financial gain. In some cases, a first-party fraudster will use bits of information identifying their next of kin when applying for credit.

Also known

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