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How to manage financial risk when engaging credit invisibles

Jan 30, 2017 Walt Wojciechowski

Americans with thin-file and no-file credit reports represent a huge business opportunity for lenders. According to the Consumer Financial Protection Bureau, approximately 26 million people in the U.S. are "credit invisible," meaning they don't have reports with any of the big three credit bureaus.


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3 reasons why you shouldn't rely on traditional credit data alone

Jan 13, 2017 Walt Wojciechowski

Loan officers require comprehensive financial information when assessing consumers' ability to pay back loans. However, they rarely collect all the data necessary to build a solid understanding of whether a person is creditworthy.Traditional


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Is it time for GSEs to use a different credit scoring model?

Jan 04, 2017 Walt Wojciechowski

Is it time for GSEs to use a different credit scoring model?

Fannie Mae and Freddie Mac have been using credit scoring models from Equifax, TransUnion and Experian when assessing mortgages for some time. However, those models, all of which are based on the FICO score, prevent approximately 45 million


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How does alternative credit data fit into Fintech 2.0?

Dec 30, 2016 Sean Albert

How does alternative credit data fit into Fintech 2.0?

Peer-to-peer lending, automated investing and new forms of retail banking defined Fintech 1.0. The movement expanded consumer choice, but it did not dismantle and rebuild the financial services industry. However, that's just what Fintech 2.0


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3 financial benchmarking tactics hospitals should use in 2017

Dec 27, 2016 Philip Burgess

3 financial benchmarking tactics hospitals should use in 2017

Between federal regulations and high administrative costs, hospitals are operating on tight margins. Some even in the red. For example, according to the Pennsylvania Health Care Cost Containment Council, the state's 171 general acute care facilities


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