by ID Analytics

ID Analytics

Consumer credit behavior in the U.S. has evolved over the past decade, along with the data and scoring systems that represented that behavior. As a result, many consumers have a difficult time gaining access to affordable credit, or credit at …

by Patrick Reemts

The alternative data that we use in our credit risk model is constantly evolving to provide the best recommendations to our clients. Recently we’ve improved our approach to the way we build those models to better align our product development …

by Patrick Reemts

It’s that time of year when shoppers are out in full force, braving Black Friday crowds and losing work productivity on Cyber Monday. Once the holidays have passed, big sales beckon to those looking for even more deals. Retailers are …

by Patrick Reemts

With college graduation season coming to a close, nearly two million1 millennials are preparing to leave the days of studying, sleeping and partying behind to enter the work world. As graduates embark on this new chapter, they may find …

by Patrick Reemts

As millennials head back to college, they will be buying items to get ready for the new school year.  These purchases could include big-ticket items like a computer, smartphone, furniture or a car. To afford these purchases, millennials may need