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.

Updated Loan Performance Report Q4 2018

Updated Loan Performance Report – Q4 2018
Staying up to date on consumer trends, preferences and loan performance is key to providing them with the products and services they need. For three years now, our trends report has been the go-to resource for lenders or anyone seeking valuable insights

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2019 Trends Generational Infographic

The more lenders know about consumers, the easier they can align their marketing efforts and connect with their target audience. From marital status to average credit score to when they first applied for an alternative financial services loan, the characteristics and habits of each generation vary.

Download this infographic

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Keeping Your Risk Low but Your Portfolio Numbers High

Non-prime borrowers are becoming more educated on their options. If alternative financial services lenders want to retain their lower-risk consumers, they’ll need to offer the lower-cost loans these borrowers deserve.
Let’s start off with the basics. Risk-based pricing is fundamental in the alternative financial services (AFS) space. It’s simple:

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    Consumer Demographics in Alternative Financial Services Lending Trends

Consumer Demographics in Alternative Financial Services Lending Trends

If you’re a non-prime lender, you have specific sets of criteria you look at when evaluating applicants. You may even be able to identify different credit trends and behavior based on consumer demographics that you can use for lead generation and marketing purposes.

Aside from distinguishing trends and behaviors, there

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Webinar: 2019 Trends and Insights Report Explained

Webinar: 2019 Trends and Insights Report Explained
A webinar on consumer trends. Recorded May 22, 2019

You’re aware that securing traditional credit for non-prime borrowers is challenging. But there are ways to align these consumers with the right services—and it starts with understanding their trends and preferences.

In this webinar, we’ll

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  • The Ultimate Customer Acquisition Tool - Alternative Credit Data
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    Alternative Credit Data: The Ultimate Customer Acquisition Tool

Alternative Credit Data: The Ultimate Customer Acquisition Tool

If you’re a non-prime lender who still has not incorporated alternative credit data as part of your customer acquisition strategy, this blog is for you.

You probably already know that more of your competitors continue to invest in the following premise:
Alternative credit data provides significant visibility into critical non-prime

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Alternative Credit Data for Storefront Lenders

Storefront lenders can use Clarity’s alternative credit data to offer loans to small-dollar consumers and applicants at more reasonable rates, building a larger customer base and helping borrowers build their credit.

While storefront lending is a relationship-driven business, a broader view of a borrower’s history can reveal important insights. Protecting

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Alternative Credit Data for Online Lenders

In a booming market, online consumer lenders must consider associated risks:

identity verification in a consumer-not-present environment
fraud detection and prevention
and remaining profitable in an increasingly competitive market

Rather than limiting growth potential, alternative credit data can make it easier to identify creditworthy customers in a high-risk

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