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Many Americans are ignored by traditional credit rating systems, which only take into account certain factors that do not apply to everyone. For example, FICO's scores focus primarily on big ticket items like mortgage payments, auto loans and

For the most part, people with insufficient or poor credit histories are often not granted access to loans due to apprehension on the part of the lender. But people in this demographic tend to need immediate funding to help them through unexpected

In the wake of the financial crisis, banks became far more stingy in their lending practices, turning down more applicants than ever and charging high interest rates on those who were able to qualify for a loan. As a result, alternative lending

Dealing with traditional lenders, like banks, can be a hassle due to the requirements, restrictions and timelines associated with securing a loan. Because of these drawbacks, many businesses and consumers seeking immediate funding have found

Millions of Americans are deemed to have insufficient credit histories and thus don't have credit scores, but new alternative methods are making it possible to create these rankings, even with limited repayment backgrounds. Nontraditional strategies