[Traditional] Credit Bureau Reports are great… but so was the mainframe computer.

Commentary by: John McWilliams

The intersection of FinTech, Alternative Data, Millennials, and Financial Inclusion at the 2017 Lendit Conference in NYC When I first heard it, I thought it would make a great headline. It was recently declared by a panelist during a discussion …

Traditional Credit Scores Are Too Narrow When Defining Credit Worthiness

Commentary by: John McWilliams

What the heck happened to “Joe’s” Credit Score?!?! A True Story. Meet Joe.  Joe just turned 50, is married with one child in high school and lives in a single income household.  They bought (and sold) 2 homes, holding a …