Alternative Credit Scores:The Key to Financial Inclusion
for Consumers 

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Consumer credit behavior has evolved over the past decade, along with the data and scoring systems that represented that behavior.  As a result, many consumers have a difficult time getting access to affordable credit due to poor traditional credit scores.

In this study, ID Analytics examined credit applicant populations at ten key lenders to determine if the introduction of alternative credit data analysis tools would impact the eligibility of  thin-file, no-hit, marginal and subprime consumers for credit accounts and loans. 


 Download this white paper now to learn more about how alternative data and modern modeling techniques can promote greater financial inclusion for many U.S. consumers.