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editorialge.com /1 week ago

8 Alternative Data Sources Fintech Companies Use for Credit Decisions

A borrower can have steady income and a record of paying regular bills yet still have little information in a conventional credit file. Fintech lenders may look beyond that file to...

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openbankingexpo.com /2 weeks ago

Experian introduces Cashflow Data Bureau to power the next generation of underwriting

When cash flow insights are paired with credit data, Experian’s analysis shows a predictive performance increase of up to 40%. Source

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housingwire.com /1 month ago

Mortgage lenders weigh AI, alternative data and credit models

MISMO panelists cited rental and cash flow data, plus AI rules that may affect licensing and compliance

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paymentsjournal.com /1 month ago

Block Unlocks Cash App Score Amid Alternative Credit Scoring Push

Consumers’ financial lives have become fragmented among multiple banks, fintechs, and platforms. At the same time, digitization has delivered more data about customer behavior than...

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practicalecommerce.com /1 week ago

Commerce Data as Credit Data

Sales, fulfillment, and shipping are becoming part of a merchant's potential borrowing capacity. The post Commerce Data as Credit Data appeared first on Practical Ecommerce.

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paymentsjournal.com /1 week ago

Superbank Turns to AI to Expand Credit Assessments

Traditional credit scores don’t always tell the full story of a borrower’s financial health. Consumers who manage their money responsibly may still fall short of conventional scori...

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openbankingexpo.com /3 weeks ago

Experian launches cashflow attributes for commercial lenders

Experian has unveiled Experian Cashflow Attributes for commercial lenders, a new solution that transforms business bank transaction data into analytics-ready attributes to help fin...

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openbankingexpo.com /5 days ago

Equifax expands access to cash flow data solutions with Mastercard Open Finance

Equifax is growing its Open Banking solutions with the addition of consumer-permissioned insights enabled via Mastercard Open Finance. Source

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openbankingexpo.com /2 weeks ago

Plaid unveils new AI models to improve lending decisions and reduce payment risk

Plaid has launched Instant Link, which lets consumers share financial insights with lenders in seconds, alongside an expanded LendScore suite of credit risk models. Source

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finextra.com /1 month ago

BNPL regulation: the growing role of data in credit decisioning

Author: A finextra community member

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finextra.com /1 month ago

BNPL regulation: the growing role of data in credit decisioning (Cliff Bunting)

The old BNPL model made borrowing feel like a payment choice rather than a credit decision. A consum...

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localnews8.com /1 month ago

Credit score nation: How much do people think their score defines their financial future?

This year, rental payment history is moving from the margins of mortgage lending into the score itself. In April 2026, the Federal Housing Finance Agency announced that Fannie Ma...

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alternativecreditinvestor.com /1 month ago

ICE launches private credit reference data service

Intercontinental Exchange (ICE), a provider of financial market technology and data powering global capital markets, has launched a new reference data service for private credit in...

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canadianmortgagetrends.com /1 month ago

Equifax overhauls broker credit report, moves to soft inquiry

New fraud, income and insolvency indicators aim to help brokers spot problems before lenders do, as the credit bureau warns that assessing borrower risk looks very different from j...

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localnews8.com /1 week ago

The credit score your insurer uses isn't your FICO

Your credit score is an important metric that lenders and credit cards use to determine if you qualify for financing. While that score isn’t important to your car insurance company...

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fintechnews.ch /5 days ago

Equifax Adds Mastercard Open Finance Cash Flow Data for Lenders

Equifax has expanded its US open banking offering to include cash flow insights from Mastercard Open Finance. Lenders and fintechs can use this consumer-permissioned bank data alon...

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housingwire.com /3 weeks ago

You may not just have one credit score

Fannie Mae and Freddie Mac now allow VantageScore 4.0 as an alternative to Classic FICO for eligible loans

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housingwire.com /2 weeks ago

TransUnion, Equifax debut ‘score later’ tools for mortgage lenders

New workflows let lenders pull credit files without scores and add them later

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openbankingexpo.com /1 month ago

Experian launches ‘Fast Track’ to improve pre-approvals in credit application process

The new Experian Marketplace feature helps individuals better understand their likelihood of approval before applying for products such as loans and credit cards. Source

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housingwire.com /3 weeks ago

CHLA backs Pulte plan for GSE credit score disclosures

Letter to FHFA says the added data could improve MBS transparency and reduce recurring credit score cost increases

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canadianmortgagetrends.com /4 weeks ago

‘The alt solution is the prime solution’: Alternative borrowers increasingly staying put

Alternative lenders say today’s borrowers are more likely to be self-employed and asset-rich than credit-bruised, with many no longer viewing alt lending as a temporary stop on the...

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finextra.com /4 days ago

Reading payment data versus acting on it: why affordability belongs to account information (Martin Korbelar)

On 20 November 2026, the revised Consumer Credit Directive 2023/2225, commonly called CCD2, begins

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openbankingexpo.com /3 weeks ago

Gifftid: Making SMEs legible to the capital they can already absorb

As Open Banking and Smart Data expand what's visible about a business, many SMEs are still assessed by instruments built to read the past, writes Grace Almendras-Castillo, founder...

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housingwire.com /1 month ago

UWM says 25% of borrowers benefit from new credit score model

Lender’s data lines up with analysts’ estimates based on historical performance

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