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 …

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 …

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 …

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.  …

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