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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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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 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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2018 Alternative Financial Services Lending Trends

It’s finally here! Clarity’s 2018 Alternative Financial Services Lending Trends Report examines subprime borrower behavior and trends with valuable industry insights.

Relationships matter! Existing customers represented 37 percent of the 2017 loan market, but they opened more than half of the loans in 2017.
Being in the right place counts! Of all loans to new customers in 2017, 73 percent were made online.

Packed with five years of Clarity data and

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    Clarity Trends Report Presents the Evolution of the Subprime Market

Clarity Trends Report Presents the Evolution of the Subprime Market

Clarity Services, the subprime industry’s largest credit reporting agency, today announced the release of its 2017 Subprime Lending Trends report. More than just a demographics report, it offers exclusive insights into emerging consumer trends that can help lenders reach the consumer where they are.

The trends report goes beyond simply offering insight into the subprime consumer; it focuses on the broader alternative lending market. Do online or storefront customers take

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