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Können alternative Daten Kreditzugang erweitern?

Können alternative Daten Kreditzugang erweitern?

Whitepaper

Over 50 million US adults don’t currently have FICO® Scores because of sparse or old data in their credit files, or because they lack a credit file all together. Can scoring help lenders safely and responsibly extend credit to these consumers?

New FICO research says yes-but only when credit bureau data is augmented by the right alternative data. This white paper presents key research findings showing how:

  • Scoring more people without more data harms consumers and creditors
  • Unscorable credit applicants are not all alike
  • Alternative data scoring releases millions stuck in a credit catch-22
  • Millions score high enough to qualify for credit, with most going on to improve their credit status