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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 credit...


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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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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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Alternative credit data: The key to understanding the credit invisible

Nov 23, 2016 Walt Wojciechowski

How do bill payment habits reveal delinquency?

The credit invisible are any individuals without data filed in nationwide credit reporting agencies. They may be immigrants whose foreign credit scores don't apply in the U.S., millennials wary of traditional credit products, or individuals who...


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How to protect your business against EMV card fraud

Nov 16, 2016 Walt Wojciechowski

Magstripe are what

EMV cards are a step up from magnetic stripe cards. While the latter store static information that hackers could steal through skimming techniques, the former contains dynamic data that's difficult to duplicate.Despite the advantages associated with...


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