Privacy Policy

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The Underbanked Ecosystem

Credit Cards

Bank Cards and Retail Private Label Cards

The Bank Card landscape continues to evolve since the credit markets changed so dramatically since 2007. Card issuers have responded by exploring opportunities to utilize new and alternative sources of data providing a competitive advantage by matching the right credit products with emerging underbanked consumers. Traditional credit data alone will not deliver exceptional growth.

The challenge has always been to achieve the three-way balance:

  1. Emerging credit products
  2. The best risk management and underwriting practices
  3. Growth markets among potentially emerging consumer segments

Profit-optimizing leaders in the credit card space will achieve the best balance, including the most comprehensive and thoughtful alternative data strategies.


Why FactorTrust expertise works?

FactorTrust is uniquely positioned in the industry as the only alternative Consumer Reporting Agency with a scoring model built exclusively on proprietary data.  Our in-house team of predictive analytics experts and statisticians leverage a continuous direct integration with lenders who are reporting inquiries and status changes in real-time.  With access to real-time data and more than 800 existing and derived data attributes, our scoring models are more predictive and more complete.

  • Acquire emerging, profitable customers – See how you can boost revenues and save on marketing spend with ApproveData Credit Marketing Solutions.  Click here to learn more.
  • Maintain profitable portfolios through Alternative Data and Analytics
  • Advance risk management and Data practices
  • Optimize Collection efforts, reducing expense and loss


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