Rich Heath Rich is a Principal Analytical Consultant at ID Analytics with 30 years of industry experience. His responsibilities range from solution and analytic consulting to best practice strategy consulting within the financial services (including auto lending and credit union), telecommunications, and marketplace lending verticals. Rich came to ID Analytics after 15 years of credit bureau consulting experience where he was involved with clients in the development of underwriting and account management models and strategies, fraud models, and the implementation of systems allowing lenders to benchmark their performance against that of their industry and peers. Previously, Rich worked at Equifax, HSBC Retail Services, Citibank, and Sears Credit. Rich holds a Bachelor of Science in Mathematics from the University of Florida.

3 Reasons to use Alternative Credit Data in Prescreen Campaigns

In today‚Äôs competitive marketplace, it is important to deliver innovative financial solutions that create opportunities for growth in lending and consumer spending. Many of the largest U.S. lenders who work with ID Analytics have been telling us that prescreen marketing …

Can alternative credit data help evaluate prime consumers?

Our recent blogs demonstrate the benefits of leveraging alternative credit data to identify more creditworthy consumers who are considered credit invisible and provide greater insights to marginal consumers who may be seen as having similar risk by traditional scores. Lenders …