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      White Paper

      Closing the credit gap

      Published December 17, 2025

      Banks Credit Unions Credit & Economic Trends Financial Inclusion
      Closing the credit gap

      White paper about income and credit trends – across gender, household dynamics, ethnicities and generational shifts. These new findings explain why closing the credit gaps is a strategic priority for lenders.

      Download the white paper to learn about changing demographics across gender, household dynamics, ethnicities and generational shifts.

      Learn how pivoting your approach and product offerings may help you broaden your customer base to become leaders in inclusive finance

      Click the button below to access the white paper

      View now

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      Despite tariff headwinds in 2025, the U.S. economy exceeded expectations and is positioned for continued growth. Improving credit dynamics point to a stronger lending environment in 2026.

      • Solid economic momentum heading into the new year
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      24 November 2025

      Unlocking member insights with alternative data

      Every lending decision you make relies on data, but what if that data only tells part of the story? Download our use case to meet two borrowers, Claudia and John, and discover how alternative data can help you:

      • Reveal hidden financial stability in members.
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      • Enable more accurate and inclusive lending decisions.
      • Drive stronger member relationships.
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      18 November 2025

      Macroeconomic forecasting and credit trends - November 2025

      As we step closer to 2026, all eyes remain on the economic outlook, the labor market and consumer health. Experian’s Chief Economist Joseph Mayans, Director of Fintech Gavin Harding and Solution Insights Director Amanda Roth, will provide a look into:

      • The latest economic and credit trends
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      10 November 2025

      Understanding Every Member with Alternative Data

      Credit unions exist to serve all members of their communities. Yet millions of financially responsible individuals remain invisible to conventional scoring. Download our alternative data guide to discover:

      • The strategic advantages of alternative credit data 
      • The future of inclusive lending
      • Why you should partner with us
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