Alternative credit data

Used together with information from traditional data sources, alternative credit data leverages expanded data to obtain a more holistic consumer view. Types of alternative data sources include alternative financial services (AFS), consumer-permissioned data, full-file public records, cash flow transactions, rental payments, Buy Now Pay Later (BNPL) and propriety and verified income data.

Drawing on alternative data sources helps lenders widen their pool of applicants who meet their eligibility requirements. With clearer visibility into stability and resiliency, businesses can more easily identify risky consumers, better predict future behavior and deliver the best treatment option based on their specific situation.

We offer specialty scores and custom models to help organizations gain a deeper view of consumer credit behavior and improve prospecting, acquisitions, account management and collections. Our tailored scoring solutions combine the power of traditional and alternative credit data to enhance predictive performance across the entire credit spectrum and add the greatest performance value among credit-invisible and thin-file consumers.