Alternative credit data

More data: Gain a deeper view of the consumer

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Are you seeing the full picture of your consumer?

What if you were making decisions with only part of the story with traditional credit reports? The truth is most lenders today are ignoring a wealth of FCRA credit data by relying solely on traditional credit information to make decisions.

Enter alternative credit data1. By pulling in alternative credit data, such as alternative financial services, consumer-permissioned data, rental payments and full-file public records, Experian provides a holistic view of your current and future customers. These insights help lenders to expand their credit universe, identify and prevent fraud, determine an applicant’s ability to pay, and verify an identity all while mitigating risk.

Alternative credit data provides supplemental, FCRA-compliant credit data to enrich decisions across the entire credit spectrum. Ultimately, this new data drives greater access to credit for consumers and profitable growth for lenders through more informed lending decisions.

For more information on alternative data for business, check out our products for startups and emerging businesses.

1When we refer to “Alternative Credit Data,” this refers to the use of alternative data and its appropriate use in consumer credit lending decisions, as regulated by the Fair Credit Reporting Act. Hence, the term “Expanded FCRA Data” may also apply in this instance and both can be used interchangeably.

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Alternative Financial Services

Gain visibility to consumers accessing short-term installment, rent-to-own, point-of-sale financing, and auto-title loans from the largest AFS credit bureau, Experian’s Clarity Services.

Consumer-Permissioned Data

Drive financial inclusion and make smarter decisions by assessing income, assets, and cash flow in near real time.

Rental History

Access rental payment data with Experian’s RentBureau, the largest U.S. rental payment database with more than 20 million consumers.

Full-File Public Records

Utilize Experian’s ExtendedView Score to reach underserved and thin file populations and expand your universe.

Data Reporting to Experian

Report your consumer’s payment history to help them thicken their credit file.

Trended Data

Understand a consumer’s credit payment history and how they are trending.

Learn more about Alternative Credit Data from Experian

2021 Alternative Financial Services Lending Trends Report

Strategize more effectively with key insights addressing market trends, credit utilization, and impacts of COVID-19. The newly released 2021 Alternative Financial Services Lending Trends report is now available.

Download report

The State of Alternative Credit Data

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New consumer and lending insights – uncover the 2022 state of alternative credit data, the regulatory landscape and use cases across the lending lifecycle.

Determining Credit Risk after COVID-19

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Discover the pandemic's impact on consumer finances and credit risk and how you can improve assessments of creditworthiness and better determine ability to pay.

Alternative Credit Data - Expand Your Universe

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Get a glimpse of 4 different types of alternative credit data to help you identify opportunities to underwrite emerging customers.

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