Webinar
Published August 2, 2024
Data Sources
See how Experian Instant Unlock enables consumers to temporarily unlock or unfreeze their credit profiles when applying for a loan with you online, resulting in a more seamless user experience.
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Tip Sheet
Understanding Every Member with Alternative Data
Credit unions exist to serve all members of their communities. Yet millions of financially responsible individuals remain invisible to conventional scoring. Download our alternative data guide to discover:
- The strategic advantages of alternative credit data
- The future of inclusive lending
- Why you should partner with us
Case Study
Leveraging cash flow data across diverse borrowers
Our use cases share real-world examples of how cash flow insights help grow portfolios responsibly while expanding credit access. Explore scenarios across borrower types, including:
- Gig workers and freelancers with fluctuating income
- Small business owners with nontraditional cash flow patterns
- Thin-file and new-to-credit consumers lacking traditional credit history
- Subprime borrowers demonstrating positive financial behavior
Report
The Future of Underwriting: A Vision for 2030
Experian surveyed product, fraud and credit risk leaders across 10 countries to understand where underwriting is headed. The takeaway is clear: it’s evolving to be frictionless, embedded and nearly instant.
In this report, you’ll discover:
- How credit underwriting is expected to evolve by 2030
- The primary forces driving these changes
- Key takeaways to help your business lead into the next decade