ability to repay account takeover fraud alternative credit data alternative data alternative financial services alternative lending auto banks Clear Ability to Pay Clear Bank Behavior Clear Fraud Clear Recent History consumer trends Decisioning direct mail solutions first-party fraud fraud fraud prevention fraud ring fraud risk fraudsters intent to not pay loan stacking market trends millennials no file online installment online lenders online lending payday loans pending loan transactions portfolio management portfolio monitoring regulatory compliance reporting gap risk and underwriting risk management subprime consumer subprime consumer trends Temporary Account Record temporary tradeline thin file third-party fraud underbanked underwriting