by Patrick Reemts

With all the news lately around alternative credit scores, you might think the use of alternative credit data  is a new concept in consumer credit metrics. Surprisingly, this is not the case. In fact, the alternative credit space was pioneered …

by Patrick Reemts

The latest stats are in: auto sales experienced a major comeback in 2014. According to industry experts,1 this was driven in part by pent-up demand delayed by the recession, and also by falling gas prices. Autodata reported that the …

by Stephen Coggeshall

Dr. Steve Coggeshall

A new study from ID:A Labs shows that the average fraud rate for synthetic identities has increased more than 100 percent since 2010. Synthetic identity fraud has become a significant and growing problem for multiple reasons. A major contributing factor …

by Patrick Reemts

Booking new customers isn’t easy. Negotiating price and evaluating an individual borrower’s loan quality as they sit and wait is a real challenge. Never mind the added pressure of complying with applicable regulations and the financial risks associated with approving …