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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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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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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 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 /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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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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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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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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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 /4 weeks ago

BNPL regulation: the growing role of data in credit decisioning

Author: A finextra community member

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editorialge.com /1 week ago

How AI Credit Scoring Works and What Borrowers Should Know

AI credit scoring uses artificial intelligence or machine learning to help lenders assess loan applications and estimate the likelihood of repayment. It may analyze credit history,...

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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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localnews8.com /4 weeks ago

Consumer credit score trends and debt behavior in 2026: What borrowers should know to strengthen financial health

Credit scores remain one of the most important factors in modern personal finance. They influence everything from loan approvals to interest rates to overall financial flexibility....

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localnews8.com /5 days 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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openbankingexpo.com /3 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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housingwire.com /1 week 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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fastcompany.com /3 weeks ago

FICO stock is collapsing as mortgage industry shakeup stands to reshape how credit scores are used

Your credit score is one of the most important data points associated with your identity. A good score generally means lower interest rates on everything from credit cards to mortg...

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realtor.com /1 month 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 /4 weeks 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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finextra.com /1 week ago

The growing importance of data enrichment in financial services (Barley Laing)

Making appropriate lending decisions and credit approvals, along with effective fraud checks and inv...

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housingwire.com /1 month ago

The unseen shift in agency pools: How ‘lender choice’ is quietly repricing specified pools

Rising VantageScore 4.0 concentrations are adding uncertainty to credit-based pay-ups and prepayment models

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finextra.com /3 weeks ago

Open banking and credit risk: where lenders are finding real value (Ben O'Brien)

Open banking is now firmly established in the UK. More than 16 million people actively use open ban...

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canadianmortgagetrends.com /4 weeks 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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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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