2023 State of Alternative Credit Data

Millions of U.S. households remain unbanked, yet many possess the ability to borrow responsibly. Read our infographic to learn how you can leverage real-time cashflow data to: 

• Reach consumers with little or no credit history. 
• Tailor products to real financial behaviors. 
• Make faster, more confident decisions.  
• Improve access to credit and enhance portfolio performance.

Experian and Plaid have teamed up to power smarter, more inclusive lending.

Read our one pager to discover how the new integration helps you:

• Sharpen risk assessments
• Uncover new growth opportunities
• Increase approval rates

Smarter lending starts with greater visibility.

Read our one pager to discover:

• Why leveraging cashflow data is imperative in today's modern lending environment   
• The types of financial behaviors cashflow data reveals
• The benefits of leveraging cashflow data

This white paper explores the transformative potential of Home Equity Lines of Credit (HELOCs) in 2025, a year marked by record-high homeowner equity and shifting consumer credit behavior. It offers data-driven insights into how lenders can tap into the $29 trillion in untapped equity by leveraging advanced analytics, behavioral segmentation, and digital innovation to meet evolving borrower needs.

Key Takeaways:

• $29T in Untapped Equity: Millions of homeowners are ideal HELOC candidates but remain underserved.
• Behavior Gap: Many consumers default to credit cards due to misconceptions about HELOCs.
• Smart Targeting: Use data to identify Revolvers and tailor offers that resonate.
• Digital Advantage: Compete with fintechs by streamlining approvals and closings.