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.  …

Alternative Data Series: Part 1 – What Is Alternative Data?

Commentary by: Solomon Semere

LexisNexis Risk Solutions is launching its “Alternative Data Series” that features a recorded interview with Alternative Data expert Solomon Semere to learn: What is alternative data? What is the value of alternative data? How does it work? What are some …

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 …

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 18-35 year olds are at a key point in their financial lives where they are accumulating wealth and developing lasting relationships with businesses. …

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 …

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 …

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