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.

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
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, the AFS Lending

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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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  • Case Study Shows Lift Exceeding 40% for One Auto Lender
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    Auto Lenders Drive Down Early Payment Default with Alternative Credit Data

Auto Lenders Drive Down Early Payment Default with Alternative Credit Data

Identifying the consumers who are most likely to become delinquent or default on their loans, is the plight of every lender.

How do you

Reduce risk?
Approve more applicants?
Increase revenue?

In a recent case study of four lenders Clarity applied an innovative solution to more than 180,000 historical

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  • Webinar auto finance
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    Webinar: Optimizing the Usage of Alternative Credit Data in Auto Finance

Webinar: Optimizing the Usage of Alternative Credit Data in Auto Finance

A webinar on auto finance. Recorded January 15, 2019
Step into the future of customer acquisition and put the data to work for you!
The drive to approve as many consumers as possible and boost revenue can leave auto lenders vulnerable to fraud or default. Augmenting a traditional credit report

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How to Unmask a Fraud Ring

Clarity’s fraud team exercises round-the-clock vigilance by utilizing the subprime credit industry’s largest database. Below are the details of one example of how Clarity works with clients for industry-leading security against fraud.
Fraud Ring Moniker: Excel Vision Capital

Modus Operandi: Listing “Excel,” “Vision” or “Capital” as employers on applications, among

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