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.

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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Clarity Services Expands Its Suite of Tools to Protect Lenders From Default

Clarity Services announced today the release of a revolutionary credit verification tool, Clear Last Look™, which allows lenders to verify that a consumer’s credit activity has not changed in the hours between underwriting and funding.

Combined with existing products such as Clear Fraud™, Clear Bank Behavior™, and Clear Tradeline™, the

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    Subprime Lending Trends Report Offers Insight into Shifting Market

Subprime Lending Trends Report Offers Insight into Shifting Market

As a lender in a busy, fast-paced marketplace, you’re likely focused on your day-to-day operations and not always on the big picture. On occasion, it’s helpful to step back to see the subprime trends in the market as a whole. Consumer behaviors, preferences, and habits can help decide your

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2017 Subprime Lending Trends

2017 Subprime Lending Trends
Get the definitive report on subprime consumer behavior!
As a lender, you can’t afford to rely on instinct or incomplete reporting. There’s no substitute for knowing the facts about the growing market of subprime lending – from consumer demographics to history with financial products.
Clarity Services,

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