Models & Scores
Alternative credit scoring has become mainstream — and for good reasons. These scoring models could help nearly 50 million consumers who don’t meet the...
Today’s changing economy is directly impacting consumers’ financial behaviors, with some individuals doing well and some showing signs of payment stress. And while these...
Advances in analytics and modeling are making credit risk decisioning more efficient and precise. And while businesses may face challenges in developing and deploying...
Whether your goal is to gain new business or create cross-sell opportunities, being proactive in your credit marketing approach can help drive higher response...
Traditional credit data has long been a reliable source for measuring consumers’ creditworthiness. While that’s not changing, new types of alternative credit data are...
As marketers, we know that more knowledge enables us to be targeted and relevant. But to target more accurately and create a better customer...
The number of decisions that a business must make in the marketing space is on the rise: which audience to target, what is the...
Even before the COVID-19 pandemic, many Americans lacked equal access to financial products and services — from tapping into affordable banking services to credit...
There’s no magic solution to undoing the decades of policies and prejudices that have kept certain communities unable to fully access our financial and...
Until recently, lenders primarily used traditional data, or the data contained in Experian’s and other credit bureaus’ core credit files, for their lending-related decisions....
As competition for used vehicles remains fierce, dealers must make quick decisions on whether to acquire a potential vehicle—or someone else will. Whether you...
These days, the call for financial inclusion is being answered by a disruptive force of new financial products and services. From fintech to storied institutional players,...
Credit reports and conventional credit scores give lenders a strong starting point for evaluating applicants and managing risk. But today’s competitive environment often requires...
From awarding bonus points on food delivery purchases to incorporating social media into their marketing efforts, credit card issuers have leveled up their acquisition...
Many financial institutions have made inclusion a strategic priority to expand their reach and help more U.S. consumers access affordable financial services. To drive...