Credit Risk Resources

The State of Alternative Credit Data

This presentation provides an update on the world of alternative credit data, shedding new light on its ability to assess credit invisibles, its application in prescreen and portfolio management use cases, and clarifies the pros and cons of contributed vs. permissioned alternative data solutions. View Webinar

Alternative Credit Insights: The Key to Universe Expansion

In today’s competitive marketplace, enterprises must cast their nets wide to stay competitive while promoting consumer credit inclusion. In this webinar, hosted by the Consumer Bankers Association, we explain how your institution can expand your universe of prospects and optimize product offers without increasing risk using alternative credit data insights. View Webinar

NEW: Debunking Millennial Myths

Is there a lack of demand for credit products among millennials? Are young adults considered to be “low score” and “no score” always high risk? View our webinar now to learn how declining millennials at a high rate could jeopardize your institution’s long-term success. View Webinar

Driving Real Results from Alternative Data

While many lenders recognize that the answer to this challenge is the incorporation of “alternative” credit data into their underwriting processes, too often the hurdle of developing strategies and navigating internal compliance reviews can make adoption feel out of reach. In this webinar, credit and automotive lending experts share insights on extracting real results from alternative credit data. View Webinar

Alternative Data for Credit Decisioning

Alternative credit data represents an opportunity for lenders to improve the accuracy of underwriting models and expand the world of credit to more candidates.  In this webinar, credit experts from Mercator and ID Analytics share insights on the use of alternative data in credit decisioning. View Webinar

More Molehill than Mountain: Pushing Past Myths in Alternative Credit Adoption

In this webinar, credit experts from ID Analytics highlight strategies for leveraging alternative data to improve lending decisions across your portfolio, and review methodologies for incorporating these new insights into your underwriting processes. View Webinar

Fueling a Competitive Lending Strategy with Alternative Data – Presented by American Banker

While lenders have historically relied on national credit reporting data to make underwriting decisions, traditional credit scores are no longer enough to paint a complete picture of a consumer’s creditworthiness. This white paper from American Banker covers how alternative data supports lending and what to look for in an alternative data provider. View

Leveraging Alternative Data for Prescreen and Portfolio Management

Learn how alternative credit data can be used to enhance prescreen campaigns and gain early insight into growth opportunities and potential risk through portfolio analysis. View

Making the credit invisible, visible: A study on the benefits of alternative credit data

The plight of the credit invisible consumer and their ability to access traditional financial services has been under a microscope for the past several years. This study from ID:A Labs examined (1) the challenges faced by the demographics identified as persistently unscorable, (2) the application patterns of this group, and (3) how alternative data can help the most challenged credit invisible consumers gain access to credit. View

Solving Synthetics: Holistically Attacking a Diverse Threat

In this third installment of ID:A Lab’s three-part research series on synthetic identities, we compared the performance of a holistic synthetic solution, to traditional fraud and credit defenses and a symptom-focused synthetic solution at a leading U.S. card issuer. View

All synthetic identities are not created equal: Examining purported synthetic signatures

In this installation of the synthetic identity research series, ID:A Labs examined the variability in behavior of synthetic identities and how those differences make synthetics very difficult to solve with solutions that target only one signature trait associated with the crime. View

Slipping Through the Cracks: How Synthetic Identities are Beating Your Defenses

ID Analytics conducted a study to (a) examine how synthetic identity behaviors find their way past fraud and credit screening at leading financial institutions (FIs), and (b) determine indicators for isolating likely synthetics. This study is part one of a synthetic research series that examines synthetic behaviors and how deeper insights can be used to help reduce the growth of this elusive problem. View

Leveraging Alternative Data to Uncover Hidden Growth Opportunities

Scoring models that leverage alternative credit data sources can provide the additional insight needed to uncover hidden growth opportunities among credit invisible and marginal applicants, many of whom can present a profitable opportunity for lenders and service providers. View case studies in this summary. View

Alternative Credit Scores: The Key to Financial Inclusion for Consumers

In this study, ID Analytics examined credit applicant populations at ten key lenders to determine if the introduction of alternative credit data analysis tools would impact the eligibility of thin-file, no-hit, marginal and subprime consumers for credit accounts and loans. View

Fueling Auto Lending with Alternative Credit Data

Combining traditional data sources with alternative data sources enables enterprises to see a broader scope of consumer behavior, which helps them make more informed credit decisions and further separate risk. View

Mercator – Applying Alternative Data to Credit Decisioning: A Primer

Alternative credit data represents an opportunity for lenders and merchants to improve the accuracy of underwriting models and expand their credit candidates. View

Debunking Millennial Myths

Once millennials are declined for credit they may not return. New research from ID:A Labs reveals that over six out of 10 millennials declined for credit are not seen applying again for at least 12 months. View

Expanding Financial Inclusion in Automotive Lending

Better credit decisioning can be achieved using a combination of traditional and alternative credit data. This allows enterprises to be more inclusive with their lending strategies without increasing risk exposure. View

Millennials: High Risk or Untapped Opportunity?

The latest study from ID:A Labs analyzes consumer behavior for three demographic groups, millennials, Generation X and baby boomers, across multiple industries, and explores the rates at which millenials are seeking and being denied credit. View

Credit Optics Full Spectrum Overview

Credit Optics^® Full Spectrum is an FCRA-compliant credit score which provides the powerful, differentiated insights organizations require to develop a complete picture of an individual’s creditworthiness across the customer lifecycle. View

Credit Optics Full Spectrum for Automotive Overview

Credit Optics^® Full Spectrum is an alternative credit score which provides powerful insights for thick, thin, and no file applicants across the full credit spectrum. This unique, broader visibility into consumer credit risk enables lenders to develop price optimization strategies which deliver a competitive edge. View

Credit Optics^® Full Spectrum Prescreen

Are you are sending product offers to the same people over and over and not seeing the returns you hoped for? If so, it is time to expand your prospect universe. View

Credit Optics^® Full Spectrum Portfolio

Would you like to uncover growth opportunities within your credit portfolio? Learn ways to help increase the longevity and profitability of the customer relationship, maximizing value for both the account holder and your organization. View

Credit Optics Intentional Misuse

Credit Optics^® Intentional Misuse offers a powerful FCRA-governed risk assessment of one of the most challenging loss drivers in lending – credit abuse. View

Credit Optics Alternative Finance

Credit Optics^® Alternative Finance helps lenders identify high- and low-risk applicants within subprime score bands, allowing for sharpened approval decisions and more competitive and precise loan terms relative to risk. View

How Alternative Data Can Help Lenders Manage Risk Across the Customer Lifecycle

The Rising Tide of Synthetic Identities

Millennials: High Risk or Untapped Opportunity?

Financial Inclusion for Consumers

The Rising Tide of Synthetic Identities