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Clarity Services, Inc. Clarity Services, Inc.
  • Consumer Support
    • Self-service Portal
    • Request Your Clarity Report
    • Request Your Credit Score
    • Request a Fraud Alert
    • Request a Security Freeze
    • Opt-Out
    • Contact Consumer Support
  • Business Solutions
    • Solutions
      • Prospecting Solutions
      • Credit Evaluation Solutions
      • Fraud Detection Solutions
      • Portfolio Management Solutions
      • Collections Solutions
    • Markets
      • Automotive
      • Debt Recovery
      • Online Installment Lending
      • Retail Financing
      • Storefront Lenders
      • Telecommunications
  • Insights
    • Reports
    • White Papers
    • Case Studies
    • Infographics
    • Presentations
    • Webinars
  • Contact
  • About

Temporary Account Record: Your Secret Weapon in the Fight Against Loan Stacking

Financial fraud in 2017 presents itself in many forms, from synthetic identify theft to kickbacks and skimming. As America settles in with a new year and a new presidential administration, lenders are still looking for answers to loan stacking – a popular type of fraud that doubled in frequency

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    Subprime Data Is Key in the Fight Against Loan Stacking

Subprime Data Is Key in the Fight Against Loan Stacking

Before lenders can reduce loan underwriting costs and approve more loans, they must first be able to authenticate eligible applicants and flush out the abusers. The fight against loan stacking is a tall task, given today’s environment of online lending, competitive pressure, and quick turnarounds. Fortunately, it’s a goal

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  • underwriting loan stacking
    Permalink Gallery

    Clear Recent History: An Underwriting Tool to Expose Loan Stacking

Clear Recent History: An Underwriting Tool to Expose Loan Stacking

It is widely understood that subprime consumers have fewer opportunities to access credit because the underwriting process is more challenging for lenders. Whether because of low credit scores, or due to a lack of credit history (known as thin-file), these consumers are often forced to use alternative financial services

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  • stop loan stacking
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    How Lenders Can Protect Themselves from Loan Stacking

How Lenders Can Protect Themselves from Loan Stacking

What is loan stacking? How does a lender identify it? How can a lender stop loan stacking?

The basic definition of loan stacking is when a consumer takes out one or more unsecured loans or cash advances on top of loans of a similar type that already exist. Clearly, this

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  • loan stacking
    Permalink Gallery

    The Truth Behind Loan Stacking: Why Real-Time Reporting Won’t Protect You from Loan Stacking

The Truth Behind Loan Stacking: Why Real-Time Reporting Won’t Protect You from Loan Stacking

It might surprise some lenders to know that not all credit reports are created equal, especially when it comes to loan stacking prevention. Traditional credit bureaus update lender information monthly to coincide with their billing cycles. Most lenders send bills once per month and report their data at the end

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Prevent Loan Stacking with New Tradeline Reporting Solution from Clarity Services

Clarity Services has developed a groundbreaking new approach to loan reporting that can help lenders prevent a growing industry problem, loan stacking. Clarity’s Temporary Account Record is a patent-pending solution that helps eliminate the lag time that occurs between loan approval and loan reporting.

When an extension of credit or

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Patent Pending on New Tradeline Reporting Process: Temporary Account Record

Clarity Services, Inc. announced today the patent-pending status by the U.S. Patent Office that covers systems and methods for aggregating and providing data pertinent to the extension of financial or commercial transactions. This new application, called Temporary Account Record, will facilitate lender due diligence in determining a consumer’s ability

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Tags

ability to repay account takeover fraud alternative credit data alternative data alternative financial services alternative lending auto banks Clear Ability to Pay Clear Bank Behavior Clear Fraud Clear Recent History consumer trends Decisioning direct mail solutions first-party fraud fraud fraud prevention fraud ring fraud risk fraudsters intent to not pay loan stacking market trends millennials no file online installment online lenders online lending payday loans pending loan transactions portfolio management portfolio monitoring regulatory compliance reporting gap risk and underwriting risk management subprime consumer subprime consumer trends Temporary Account Record temporary tradeline thin file third-party fraud underbanked underwriting

Clarity Services is Experian’s real-time credit bureau that covers alternative financial services and buy now pay later products and data.

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Monday – Friday 9am – 5pm EST

Phone: (866) 390-3118

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Clarity Services, Inc., a part of Experian
Consumer Support Division
PO Box 16
Allen, TX 75013
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