Gain a deeper view of creditworthiness
Alternative credit data* expands visibility into a consumer’s financial profile and ability to pay with signals like cash flow, nontraditional lending activity, rental, income, debt management, and more.
Measure credit risk
Mitigate risk and seize new opportunities with reliable, relevant data that expands visibility into creditworthiness to support smarter decisions across the credit lifecycle.
Accelerate financial inclusion
Alternative data helps financial institutions evaluate consumers and businesses with limited credit history to expand access, create more lending opportunities, and grow profitable portfolios with controlled risk.
*"Alternative credit data,” refers to the use of alternative data and its appropriate use in consumer credit lending decisions, as regulated by the Fair Credit Reporting Act. Hence, the term “Expanded FCRA Data” may also apply in this instance and both can be used interchangeably.
106 million
Adult Americans, many of whom may be creditworthy, lack access to mainstream credit rates.
96%
of U.S. adults can be scored by incorporating alternative credit data and advanced analytics into your lending process.
19%
is how much lenders could grow their pool of new consumers using modern scoring models.
Frequently asked questions
Alternative credit data is FCRA-regulated (displayable, disputable, and correctable) data that is not typically included in traditional credit reports and drives greater visibility and transparency around inquiry and payment behaviors, so businesses can gain deeper insight into creditworthiness and make more precise decisions.
Learn more about what is alternative credit data.
Some examples of alternative data sources include non-traditional lenders, user-permissioned account information, full-file public records, cash flow transactions, rental payments, property data, and verified income.
By combining information from traditional sources and expanded data lender can obtain a more holistic consumer view. Drawing on alternative data sources may help lenders widen their pool of applicants who meet their eligibility requirements. With clearer visibility into stability and resiliency, businesses can more easily identify risky consumers, better predict future behavior and deliver the best treatment option based on their specific situation.
Experian offers specialty scores and custom models to help organizations gain a deeper view of consumer credit behavior and improve prospecting, acquisitions, account management and collections. Our tailored scoring solutions combine the power of traditional and alternative credit data to enhance predictive performance across the entire credit spectrum and add the greatest performance value among credit-invisible and thin-file consumers.
We are unable to address personal credit report and/or membership inquiries via this business form. Visit Experian.com/help or call 888-397-3742 for consumer assistance. For help with your business credit report, please visit Experian.com/small-business.
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