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.

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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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Alternative Credit Data for Rent-to-Own Lenders

Alternative credit data for rent-to-own lenders can be a decisive asset in simplifying the approval process.

RTO providers and customers want the same thing – a convenient way to confirm details for a mutually beneficial transaction. 

Subprime consumers face special credit challenges that are often easily solved with alternative credit data,

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2019 Alternative Financial Services Lending Trends Report

Clarity’s 2019 Alternative Financial Services Lending Trends report is now available!
Packed with five years of Clarity data and enhanced with additional insights from Experian’s national credit bureau – this is the alternative financial services lending trends report you do not want to miss.

For three years in a row,

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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 for risk mitigation.

Featuring the most nonprime consumer data of any credit bureau,

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