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Alternative Credit Data

Alternative credit data may best be summed up as FCRA-compliant credit data that is not typically included in traditional credit reports. Some examples of alternative credit data include alternative financial services data, rental data, full-file public records and account aggregation. These insights can ultimately improve credit access and decisioning for millions of consumers who may otherwise be overlooked. Experian’s Clarity Services is the industry leader in alternative credit data.

Your Guide to Mastering the Consumer Lifecycle

Wondering how you can manage the entire consumer life cycle with ease? From reaching more credit-worthy consumers to accurately scoring them, and managing their account to handling collections, alternative credit data is the answer.

In our free eGuide for auto lenders, we discuss how augmenting your traditional score with Clarity’s

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The Evolution of Credit-Risk Evaluation

These days, the predictive nature of the best data available in approving loans can have an immediate impact on a lender’s business. The underwriting process has changed quite a bit throughout the past decade. The better lenders understand why that is, the more you might grasp what moves to

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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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    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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