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FinTech › Credit History › Consumer Lenders

Goodwin

Traps for the Unwary: Using Alternative Credit Data to Expand Credit Access to LMI Individuals and Underrepresented Communities

Goodwin on

Traditional credit underwriting methods, which are generally based on credit reports, have not always successfully captured the full picture of a borrower’s ability to repay. It is estimated that more than 45 million US...more

Alston & Bird

Financial Services & Products Advisory: FinTech Lending Update: Credit Score Alternatives Are the Future?

Alston & Bird on

Throughout the history of consumer lending of all types, a major component of credit underwriting has been credit history. National credit bureaus use a person’s financial history, such as on-time payments, capacity of credit...more

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