In today’s 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 …

The Consumer Financial Protection Bureau (CFPB) has identified that approximately 45 million consumers are either credit invisible or unscorable by major credit bureaus. People who don’t have established credit face several obstacles; many may be unable to get approved for …

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 …

In my last blog, I discussed how the use of alternative credit data has become a mainstream answer to the challenge of identifying creditworthy consumers who are credit invisible. While that is perhaps the most familiar use case for risk …

Almost one-fifth of adults in the United States face obstacles to obtaining credit because they are considered “credit invisible”—meaning they either don’t have a credit history with, or are treated as unscorable by the nationwide consumer reporting agencies. Leveraging alternative …