Traditional credit scoring models manage risk assessment based on consumer debt at a single point in time. However, the growing use of trended and alternative data captures a wider range of positive payment behaviors, empowering lenders to make more informed decisions, while increasing financial inclusion to a wider population of consumers.
By combining trended credit insights with details about a consumer’s assets, other liabilities, cash flow, and more, lenders can make better decisions about which applicants to approve—and at what rate.
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