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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MISMO panelists cited rental and cash flow data, plus AI rules that may affect licensing and compliance
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...
For a decade, one number has anchored nearly every conversation about credit access in this country:...
Introduction Lenders assessed creditworthiness using traditional indicators such as repayment history, income, and existing loans, with Credit Information Companies like CIBIL conv...
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...
New Experian data shows one in three consumers would switch lenders over outdated scoring models
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...
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
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...
VantageScore data shows US borrowers maintaining payment discipline heading into H2 2026
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...
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...
Through data brokers, ICE is buying the information you provided to open a credit card.
Businesses understand the importance of their credit score when they’re looking to grow. But everyon...
Australian lenders are reporting more informed lending decisions, stronger competition and improved customer outcomes from Australia's comprehensive credit reporting framework.
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
The new resources were developed to standardise the credit report corrections process across the industry, creating a fairer system for consumers.
FHFA opens door to VantageScore for all lenders
Die Kreditauskunft Schufa speichert alte Daten wesentlich länger als bisher bekannt. Statt den gesetzlich vorgeschriebenen drei Jahren werden die Daten erst nach zehn Jahren gelösc...
Old scoring models don't take into account major changes in American earning and spending habits and the gig economy.
Die Kreditauskunft Schufa speichert alte Daten wesentlich länger als bisher bekannt. Statt den gesetzlich vorgeschriebenen drei Jahren werden die Daten erst nach zehn Jahren gelösc...
Plend uses Open Banking data and proprietary credit technology to assess affordability based on a customer’s real financial circumstances. Source
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...
A prominent data protection group on Wednesday demanded that Germany's main credit-scoring agency delete troves of data that it alleges has been stored illegally, and threatened co...
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