White Paper
Published January 12, 2026
Credit & Economic Trends Financial Inclusion Risk Management
ITIN holders are active, responsible participants in the U.S. credit economy — yet many remain overlooked by traditional lending models.
Our white paper takes a closer look at this financially active and resilient population, revealing key insights into their credit performance and long-term growth potential.
Some findings include:
- Most ITIN holders are concentrated in states that represent a large share of the U.S. economy: California, Texas and New York.
- 76.9% of ITIN holders remained current on trades after 12 months, a rate 15% higher than SSN consumers.
- ITIN holders maintain a lower debt-to-income ratio (25%) than SSN consumers.
Read the full white paper for more insights.
Complete the form to access the white paper
This site is protected by reCAPTCHA and the Google Privacy Policy and Terms of Service apply.
Thank you for your interest
Your free Experian resource is now available. Enjoy!
White Paper
Governing AI at Scale for Adaptive Model Risk Management
Learn how financial institutions can modernize model risk management to govern AI responsibly at scale.
• Explore adaptive AI governance principles for regulated environments
• Understand the LLM-as-a-judge governance review approach
• See how AI-assisted governance improves oversight, evidence and accountability
Report
2026 State of fintech report
Read the latest State of Fintech Report to see strategy playbook fintechs are implementing in 2026 and beyond. Key insights include:
- How fintech leaders are balancing growth, fraud risk and portfolio performance
- Why data strategy is becoming a competitive advantage in credit decisioning
- How identity, credit and behavioral signals are enabling smarter lifecycle decisions
- Practical actions fintech organizations can take to grow with confidence in 2026
Case Study
Turning thin-file members into incremental growth
Learn how a proactive credit card graduation strategy helped America First Credit Union responsibly expand member relationships while maintaining strong portfolio performance.
- Increased more than 32,000 credit card limits
- Generated approximately $26 million in balance growth
- Maintained just 0.59% delinquency
Webinar
Tracking first-party fraud: Industry benchmarks
Understand how first-party fraud is changing across financial institutions and what it means for your organization. Learn from Experian experts using industry benchmark data.
- Explore year-over-year first-party fraud trends
- Compare fraud rates across banks, credit unions and fintechs
- Learn practical strategies to benchmark and strengthen fraud prevention