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

Jan 04, 2017 Walt Wojciechowski

Which scores do Freddie Mac and Fannie Mae use to assess mortgages?

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 Americans...


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How does alternative credit data fit into Fintech 2.0?

Dec 30, 2016 Sean Albert

Smart devices could automatically relay data to lenders.

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 may...


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3 financial benchmarking tactics hospitals should use in 2017

Dec 27, 2016 Philip Burgess Princeton NJ

How will your hospital fair over the next five years?

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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Alternative credit data helps lenders expand small business portfolios

Dec 14, 2016 Philip Burgess

Lenders must look beyond traditional data to understand a business

Acquiring access to credit remains a persistent challenge among financially responsible small business owners. According to a report from BI Intelligence, lenders walked away from approximately $96.5 billion worth of loans in the fourth quarter of...


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3 characteristics of strong alternative credit data partners

Dec 12, 2016 Walt Wojciechowski

Consumer financial situations may change from month-to-month, and so should their credit reports.

Robust credit risk management operations draw from comprehensive, accurate data to distinguish good from poor risk. Information provides transparency, enabling lenders to expand their businesses, establish targeted risk-based pricing and expedite...


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