Jason Heil, Head of Credit Risk Solutions and Carmel Maher, Senior Product Marketing Analyst
Over the past decade, the U.S. lending market has seen adoption of alternative credit data in underwriting strategies steadily grow. Initially a fringe technology, today the use of alternative credit data to assess applicants without a bureau score from the three National Credit Reporting Agencies (NCRAs) has become mainstream. Yet even with this spike in adoption, the majority of U.S. credit decisions continue to focus strictly on the traditional credit data offered in a typical FICO score.
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Given this context - what’s the next evolution for alternative credit data in the United States? Which consumer segments and what use cases are the likely next step in lender’s adoption of these powerful and under leveraged insights? Join Jason Heil and Carmel Maher, as they explore the landscape and future state of alternative credit data.