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.

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

Know Your Lending Future by Learning from Subprime’s Recent Past

Today, things move much faster than they did in the past.

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 universe 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

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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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How Lenders Can Navigate Risk in the ‘Big Fraud’ Era

Fraud and Credit Risk
While fraud and credit risk are two distinct factors that can be intellectually distinguished with ease, measuring the difference in practice can be tricky. That’s due, in part, to the fact that both have overlapping risk in common.

When a loan reaches first payment default, at what point does a lender determine that the consumer has no intent to pay? Determining intent from risk isn’t easy,

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Online Loan Usage Infographic

This infographic highlights trends in the online loan market including: loan volume growth, value of loans, market shifts and demographic information.