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Many lenders are using alternative data and alternative credit scores to better inform their marketing and loan decisioning. They want to not only serve borrowers who are good credit risks and may otherwise be declined, but also offer borrowers across the credit spectrum more competitive terms. These lenders may also employ advanced analytics and machine learning or other artificial intelligence (AI) techniques to effectively harness the vast array of data at their disposal.
Based on a study conducted by Aite Group on behalf of Equifax, this white paper details the extent to which these lenders are using alternative data, advanced analytical approac