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.

Credit Union Philosophy and First Time Auto Buyers

Commentary by: Zachary Tondre

Credit union directors across the country are looking for ways to stand out in their markets by returning to the foundational philosophy of the movement to serve underserved borrowers. While many directors see great opportunity in this initiative, management teams …

Data Used in Credit Scores – Are You Educated?

Commentary by: Jeff Stokes

We have been pursuing the topic of Financial Health with a necessary focus on the underserved, unbanked and credit invisibles.  A critical aspect of Financial Health involves an understanding of what data components are represented in credit scores used today.  …

Are Comedians a Good Source of Financial Advice?

Commentary by: John McWilliams

Did you see the clip of comedian John Oliver regarding subprime auto lending? If not, check it out here. While I commend satirists like John Oliver for expanding the public consciousness on key issues, I took ire with this subprime …

Credit Unions take an active role to address Financial Health Crisis

Commentary by: John McWilliams

How grassroots community lending is addressing the high cost of payday lending Our continuing effort to help bring awareness to the plight of millions of Americans suffering from poor financial health brought me and my colleagues at LexisNexis® Risk Solutions …

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