This article was updated on February 13, 2024. Traditional credit data has long been a reliable source for measuring consumers’ creditworthiness. While that’s not...
Conventional credit scoring systems are based on models developed over six decades. As consumer behavior evolves, it’s important to seek newer, fresher sources of...
Today’s top lenders use traditional and alternative credit data1 – or expanded Fair Credit Reporting Act (FCRA) regulated data – including consumer permissioned data, to...
More than seven million Americans who are unbanked cite high account fees, insufficient funds to meet minimum balances and a lack of needed products and...
With consumers having more credit options than ever before, it’s imperative for lenders to get their message in front of ideal customers at 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...
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,...
From awarding bonus points on food delivery purchases to incorporating social media into their marketing efforts, credit card issuers have leveled up their acquisition...
Big data is bringing changes to the way credit scores are reported and making it easier for lenders to find creditworthy consumers, and for...
With many individuals finding themselves in increasingly vulnerable positions due to COVID-19, lenders must refine their policies based on their consumers’ current financial situations....
In today’s rapidly changing economic environment, the looming question of how to reduce portfolio volatility while still meeting consumers’ needs is on every lender’s...
There are more than 100 million people in the United States who don’t have a fair chance at access to credit. These people are...
Retailers are already starting to display their Christmas decorations in stores and it’s only early November. Some might think they are putting the cart...
Alex Lintner, Group President at Experian, recently had the chance to sit down with Peter Renton, creator of the Lend Academy Podcast, to discuss...