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.

Request a Fraud Alert Test

How to Request a Fraud Alert

Our Consumer Support Team is available via phone, during the listed hours of operation, to assist with any questions and to process your request. Additionally, you may fax or mail your request using the forms on this page.
There are several options when it

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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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    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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