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.

How Lenders Can Navigate Risk in the ‘Big Fraud’ Era

Fraud and Credit Risk
While fraud and credit risk are two distinct factors that can be intellectually distinguished with ease, measuring the difference in practice can be tricky. That’s due, in part, to the fact that both have overlapping risk in common.

When a loan reaches first payment default, at

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Online Loan Usage Infographic

Understanding consumer behavior and preferences are vital in providing the services they need. This infographic highlights trends in the online loan market, including loan volume, value of loans, market shifts and demographic information—including who has the most overall debt.

Download now for an in-depth look into the momentum and growth

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You Approved the Loan. Now Manage the Risk.

You pored over the application. You were thorough in your underwriting. Finally, you approved your customer for a loan, and all you can do is wait and hope for repayment. Sound familiar?

Now imagine the ability to monitor your customers’ credit transactions outside of your portfolio and quickly spot recent

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    Online or Storefront Lending: Where are Subprime Borrowers Getting Their Money?

Online or Storefront Lending: Where are Subprime Borrowers Getting Their Money?

When was the last time you called your bank to inquire on your account balances? Or used a phone book to find a local handyman? Most of us understand that the world no longer functions this way. The management of our daily lives, including nearly every transaction we perform,

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    Generational Divide: How Age Affects the Preferences and Trends of Alternative Financial Services Users

Generational Divide: How Age Affects the Preferences and Trends of Alternative Financial Services Users

The more lenders know about their customers, the better equipped they are to align those consumers with the most relevant products and services.

In the alternative financial services (AFS) market, demographic data is essential to help define who consumers are, including the average age of borrowers, the type of credit

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CFSA 2018 Annual Conference and Expo | April 16-19

Thank you for helping Clarity at CFSA 2018 a success!
In case you missed us, George Coutros, Clarity’s Chief Revenue Officer, presented a Breakout Session on “How to Retain Your Evolving Storefront Customers.”

In this presentation, George dives into three current industry trends, how storefront lenders can remain competitive, customer

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2018 Alternative Financial Services Lending Trends

It’s finally here! Clarity’s 2018 Alternative Financial Services Lending Trends Report examines subprime borrower behavior and trends with valuable industry insights.

Relationships matter! Existing customers represented 37 percent of the 2017 loan market, but they opened more than half of the loans in 2017.
Being in the right place counts!

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Introducing Clear Portfolio Alerts™

Clear Portfolio Alerts™ is a proactive portfolio management tool that creates customer touchpoints based on risk and retention alerts. Risk alerts can signal recent derogatory changes to a consumer’s credit profile, allowing you to resolve potential issues before they impact your bottom line. Retention alerts can identify existing customers

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