Ability to Repay

Ability to repay refers to a loan applicant’s available resources to service a loan or line of credit from their cash flow or disposable income. Other borrower resources to be considered may include assets, monthly expenses, employment and credit history. In banking terms, it is often referred to as “capacity.”

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    See Your Applicant’s Future Behavior with Alternative Credit Data

See Your Applicant’s Future Behavior with Alternative Credit Data

Alternative Credit Data: The crystal ball to detect the intent to not pay consumer before you approve the loan.

Underwriting a subprime consumer loan can feel like trying to see the future. Lenders need the right tools to help bring that future into better focus. While lenders navigate the process,

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