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.

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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LendIt 2018

Gaining the Competitive Advantage with Comprehensive Data
Leaders from Clarity Services, a part of Experian, provided compelling tips for capitalizing on expanded lending practices at this years LendIt Fintech USA 2018. We would like to thank all of those who attended the breakout session and for considering enhanced ways

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Avoid Surprises With Portfolio Alerts

As a lender, have you ever wondered what your customers are doing after they sign on the dotted line? Consumer behavior in the days following a loan transaction can contribute to a lender’s success or failure. Don’t believe it? Consider this:

23 percent of consumers have a new credit inquiry

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How to Combat Online Lending Fraud

They say that the eyes are the windows to the soul. But when you’re conducting business online, the eyes and every other fragment of identity is concealed. The “hidden” nature of the online environment makes it a breeding ground for fraud.

Fraud in all its forms is so pervasive in

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    How Debit Activity Can Benefit Lenders in a Cashless Society

How Debit Activity Can Benefit Lenders in a Cashless Society

More lenders are accepting non-traditional credit data as part of their best practices. With nearly half the American population carrying a subprime credit score, rent-to-own companies, online installment, storefronts and others are embracing new tools to intelligently navigate a market that has been largely overlooked.

With an eye toward the

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In the Fight Against Fraud, How’s Your Data Doing?

Fraudsters work around the clock. Your fraud prevention measures should too. Fraud prevention is a primary concern for any business in the lending industry. The growth of digital and mobile technologies makes it increasingly difficult to determine who is on the other end of a transaction.

A lender’s risk is

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Clarity Services Introduces Clear Fraud for Online Installment

Clarity Services introduces its newest solution specially designed to predict “intent not to pay” fraud for customer-not-present transactions, Clear Fraud for Online Installment. Available now, the new product offers a powerful score whose performance has shown to more accurately assess online loan application risk.

“The online installment market faces unique

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