Modeling Blended Alternative and Traditional Data: A Case Against Variable Reduction

Commentary by: Zachary Tondre

Alternative data adds insight into the credit risk of full file borrowers allowing lenders to more accurately predict delinquency and price more competitively

The Lien and Judgment Blind Spot

Commentary by: Zachary Tondre

The bureaus have taken action on another piece of their National Consumer Assistance Plan (NCAP) by removing lien and judgment records that they could not accurately link.

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