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.

2022 Alternative Financial Services Lending Trends Report

This report offers granular data on a vast number of different consumer insights that will allow you to build the foundation for a successful lending strategy and create benchmarks needed to improve your financial inclusion efforts, prospecting, risk management and more.
Included in the report:
2022 highlights at-a-glance:

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2021 Alternative Financial Services Lending Trends Report

It’s that time of year; the industry’s annual checkup, and we’re excited to share insights that will provide a better view of the consumers you serve.

For five years in a row, Clarity’s Alternative Financial Services Lending Trends Report has been the go-to resource for those seeking insights into non-prime

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Our Changing Identity Landscape

COVID-19 continues to affect millions of people around the globe. As the economy shifts, so does consumer behavior, and it’s important to understand these trends and how they affect the credit landscape.

Download our mini report to learn more about the current state of fraud in our market today. In

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2020 Alternative Financial Services Lending Trends Report

2020 Alternative Financial Services Lending Trends Report – NOW LIVE

This report is packed with five years of Clarity data and enhanced with additional insights from Experian’s national credit bureau. From market trends to changes in loan characteristics, the data inside will leave you more informed of the nonprime

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Your Guide to Mastering the Consumer Lifecycle

Wondering how you can manage the entire consumer life cycle with ease? From reaching more credit-worthy consumers to accurately scoring them, and managing their account to handling collections, alternative credit data is the answer.

In our free eGuide for auto lenders, we discuss how augmenting your traditional score with Clarity’s

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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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