The State of Alternative Credit Data

Expand your lending universe and acquire new customers

Discover the latest consumer and lending insights and how alternative credit data* is being used to reduce financial volatility and mitigate risk.

Learn key findings, including:
  • How to leverage during times of economic stress
  • What the future of alternative credit scoring holds
  • Recent regulations

*“Alternative Credit Data” refers to the use of alternative data and its appropriate use in consumer credit lending decisions, as regulated by the Fair Credit Reporting Act (FCRA).

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The research results are in*


74%
of lenders

say that they are using additional information outside of the traditional credit report.

96%
of lenders

agree that alternative data allows them to better evaluate consumers’ creditworthiness.


*Findings from two national online surveys Experian conducted regarding alternative scoring and the use of alternative data for lending.

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