The Age of Alternative Data: Elevating Credit Risk Management

Commentary by: Naagesh Padmanaban

It is common knowledge that large volumes of data are being constantly generated and a good portion of this can be used to better understand a potential borrower. This profusion of data has only provided greater depth and reach to …

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 …

Uncertainty is Certain

Commentary by: John McWilliams

When reflecting on your previous year, like most people, you probably start inwardly. Did you achieve your personal goals? Family goals? Career goals? Then we expand to the macro – how did your company perform? Your Clients? Your Industry? Your …

Cutting Through the Hype: Where Are the Credit-Worthy Millennials

Commentary by: Solomon Semere

Millennials have recently become the largest living generation in the U.S. This population of roughly 75 million 19- to 35-year-olds are at a key point in their financial lives where they are accumulating wealth and developing lasting relationships with businesses. …

Alternative Data Series: An Overview

Commentary by: Solomon Semere

Earlier this year, LexisNexis® Risk Solutions released a 4-part recording series on the topic of Alternative Data, explained by LexisNexis Director of Market Planning Solomon Semere. As explained by Semere, Alternative Data is “information not found on a traditional credit …

Alternative Data Series: Part 4 – An Alternative Data Case Study – Auto Lending

Commentary by: Solomon Semere

In the last part of our Alternative Data series, “An Alternative Data Case Study – Auto Lending,” Solomon Semere explains how a lender using RiskView™ can augment a credit profile with alternative data. Specifically looking at auto loan portfolios, a …

The Alternative to Alternative Lending

Commentary by: John McWilliams

I’ve frequently discussed how to improve the financial health of the 53 million Americans who do not have access to traditional, mainstream credit. In previous articles, I’ve explored the credit invisibles as a group, as well as concerns over predatory …

 1 2 3 Next