Latest updates for Alternative Credit Data

Fresh curated links around Alternative Credit Data are collected here so marketers can spot useful updates and turn timely ideas into posts faster.

Recent items include:

  • Mortgage lenders weigh AI, alternative data and credit models
  • Block Unlocks Cash App Score Amid Alternative Credit Scoring Push
  • Credit Exclusion Isn't an On-Ramp Problem Anymore. It's a Continuity Problem. (Dinesh Chavali)

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housingwire.com /1 week 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 /6 days 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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finextra.com /1 month ago

Credit Exclusion Isn't an On-Ramp Problem Anymore. It's a Continuity Problem. (Dinesh Chavali)

For a decade, one number has anchored nearly every conversation about credit access in this country:...

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amlegals.com /1 month ago

AI Credit Scoring in India: Data Privacy, Explainability and Algorithmic Fairness under the DPDPA

Introduction Lenders assessed creditworthiness using traditional indicators such as repayment history, income, and existing loans, with Credit Information Companies like CIBIL conv...

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localnews8.com /3 days 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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mpamag.com /3 weeks ago

Legacy credit scores are costing lenders the next generation of buyers

New Experian data shows one in three consumers would switch lenders over outdated scoring models

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openbankingexpo.com /2 weeks ago

Noggin HQ raises £2.3m in seed round and receives FCA credit referencing authorisation

Newcastle-based fintech Noggin HQ has launched its alternative credit scoring technology to UK lenders after raising £2.3 million in an oversubscribed seed round. Source

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australianfintech.com.au /4 weeks ago

Meet Credit Copilot: The AI tool built for lenders who want to compete differently

Credit Copilot extracts and structures what matters, compares observed data against declared information and flags what warrants a closer look, all mapped back to relevant policy r...

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fintechnews.sg /4 weeks ago

Banking the Unreached With AI-Led Credit Decisioning

More than 70% of Southeast Asian adults remain unbanked or underbanked. That is not a development statistic. It is the largest untapped credit market on earth. Millions of these co...

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mpamag.com /1 month ago

Buy now, pay later could be the catalyst for the next credit crisis, private lender says

With more than $150 billion in shadow debt in play, Weinberg says a borrower with a 750 score could really be a 620, and nobody will know until something goes wrong

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savingadvice.com /20 hours ago

Could You Have More Debt Than Your Credit Report Shows? The Fed Says BNPL Creates a Blind Spot

Pull your credit reports, and you might reasonably assume you’re looking at a fairly complete picture of the money you owe. Buy now, pay later...

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salesforce.com /5 days ago

Build a Credit Feedback Loop for Data 360

Learn how to cap build costs with data space filters, trace current consumption to a single resource with Digital Wallet DLOs, and tune refresh cadence before a credit spike reache...

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prunderground.com /1 week ago

Bloom Credit's Credit Building API Named 2026 Data Initiative Finalist, US FinTech Awards

Recognition honors Bloom+, the consumer permissioned data API that helps credit unions and banks turn bill payments into credit building tradelines without new debt The post Bloom...

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mpamag.com /1 month ago

Consumer credit scores hit 12-month high as delinquencies ease

VantageScore data shows US borrowers maintaining payment discipline heading into H2 2026

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realtor.com /2 weeks ago

1 in 3 Homebuyers Say They Will Drop Their Mortgage Lender Over This Issue

Old scoring models don't take into account major changes in American earning and spending habits and the gig economy.

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finextra.com /3 weeks ago

When it comes to securing finance, your credit score is just the beginning (Luke Trayfoot)

Businesses understand the importance of their credit score when they’re looking to grow. But everyon...

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housingwire.com /1 month ago

Borrower trust by design

An IDC study shows slow closings and heavy manual underwriting, even as lenders add AI. The article outlines disclosure, data, human review, explanation and contestability choices...

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paymentsjournal.com /2 weeks ago

Hard Times, Easy Money: BNPL Now Finances Rent and Utilities

Buy now, pay later brought another credit option to stressed budgets, with a model that typically settles an installment loan in four consecutive monthly payments. With a relativel...

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finextra.com /1 month ago

What CP26/7 and CRA reform mean for credit risk models (Ben O'Brien)

Most of the commentary on CP26/7 focuses on which firms need to report, to which agencies, and by wh...

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openbankingexpo.com /1 month ago

Responsible lender Plend secures £50m credit facility from Triple Point

Plend uses Open Banking data and proprietary credit technology to assess affordability based on a customer’s real financial circumstances. Source

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theeastafrican.co.ke /1 month ago

Predicting loan default: How AI aims to save Kenyan banks from debt crisis

As bad loans hit a 20-year high, lenders are turning to artificial intelligence and alternative data to identify troubled borrowers early.

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finextra.com /3 weeks ago

Creditspring expands access to responsible credit with new FCA credit broking permission

Creditspring, the subscription-based credit provider on a mission to improve financial stability across the UK, has secured FCA permission to operate as a credit broker, enabling t...

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openbankingexpo.com /1 month ago

Abound teams up with D•One to offer affordable credit to more people using Open Banking

Abound, an Open Banking and AI-powered lender, has partnered with the ClearScore Group's Open Banking services business, D•One, to help more people access fairer and more affordabl...

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australianfintech.com.au /1 month ago

Australian lenders report stronger lending outcomes from comprehensive credit reporting

Australian lenders are reporting more informed lending decisions, stronger competition and improved customer outcomes from Australia's comprehensive credit reporting framework.

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Sources covering Alternative Credit Data

amlegals.com

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australianfintech.com.au

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fintechnews.sg

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localnews8.com

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finextra.com

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finextra.com

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