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Blog

Thought Leadership and Insights

Blog

The world of alternative credit information is constantly evolving, especially as we observe the growing segment of underbanked and non-prime consumers. At FactorTrust, we’re standing on the front lines, and here on this blog, you will find us sharing our insights, stimulating the conversation and hopefully inspiring you to join it.

Alternative Vendor Oversight

  • June 21, 2017

By Barb Sinsley, FactorTrust general counsel & chief compliance officer Since Dodd-Frank was enacted, banks and the financial services...

  • bank sharing, collaboration, FactorTrust, OCC
 

Analytics and Professional Wrestling Tag-Team in Orlando: SAS Global Forum Recap

  • May 25, 2017

By Dan Richard, FactorTrust VP, analytics & product strategy In early April 2017, 75,000 rowdy professional wrestling fans from...

  • analytics, dan richard, FactorTrust, SASGF
 

Auto Financing Survey Finds Diverse Assortment of Use Cases for Alternative Data

  • May 25, 2017

By Dan Richard, FactorTrust VP, analytics & product strategy A recent industry-wide survey in the auto financing industry investigated...

  • alternative credit data
 

Debunking Myth #2: Underbanked are Among Credit Invisible

  • May 25, 2017

By Dan Richard, FactorTrust VP, analytics & product strategy The underbanked population of consumers are referred to by a...

  • alternative credit data, credit invisible, underbanked
 

FCRA Compliance and Alternative Data Roadmap

  • May 17, 2017

By Barb Sinsley, FactorTrust general counsel & chief compliance officer Recently, I was asked how FactorTrust remains compliant under...

  • alternative data, compliance, compliant, FCRA
 

How to Prevent a Tragedy: Know your Role During a Government Investigation

  • April 24, 2017

By Barb Sinsley, FactorTrust general counsel & chief compliance officer In an article published in the May 2017 issue...

  • collection, compliance, FactorTrust, government, investigation
 

Debunking Myth #1: Consecutive Borrowing Leads to Increased Default Rates

  • April 20, 2017

By Dan Richard, FactorTrust VP, analytics & product strategy A common myth exists around the relationship between the repeat-borrowing...

  • alternative credit data, CFPB, covered loans, repeat borrowing, underbanked
 

Demographics of Underbanked Completes Picture of Prospects

  • April 20, 2017

By Dan Richard, FactorTrust VP, analytics & product strategy Taking the time to understand each customer segment can reap...

  • alternative credit data, demographics, infographic, underbanked, underbanked index
 1

CONGRESS AWAKES ON CYBERSECURITY

  • April 13, 2017

By Barb Sinsley, FactorTrust general counsel & chief compliance officer We have all heard a great deal lately about...

  • cyber-act, cybersecurity, FactorTrust
 

OH SURE, WELLS FARGO. BLAME THE LAWYERS!

  • April 13, 2017

By Barb Sinsley, FactorTrust general counsel & chief compliance officer If it were not so pathetic, it would be...

  • compliance, FactorTrust, underbanked, Wells Fargo
 2

Size Matters. How Do You Stack Up?

  • March 23, 2017

Top Trends in Short-Term Lending Demographic and Risk Metrics   By Brett Taylor, VP, alternative lending practice, FactorTrust  ...

Five Steps in Exploring the Universe of Alternative Credit Data

  • March 23, 2017

By Dan Richard, FactorTrust VP, analytics & product strategy Gone are the days of traditional generic credit scores being...

  • alternative credit data, analytics, credit bureaus, lenders, underbanked
 

Public Record Data Alone Lacks Predictive Power

  • March 23, 2017

By Dan Richard, FactorTrust VP, analytics & product strategy While the Big 3 Bureaus assert they use alternative sources...

  • alternative credit data, FactorTrust, predictive, public records
 

How Alternative Credit Data Takes the Sting out of Loan Stacking

  • March 23, 2017

By Dan Richard, FactorTrust VP, analytics & product strategy Google the term ‘loan stacking’ and there is no shortage...

  • alternative credit data, FactorTrust, lenders, loan stacking
 

INFOGRAPHIC: IDENTIFYING NEW MARKETS WITH ALTERNATIVE CREDIT DATA

  • March 13, 2017

Learn how financial service providers are using alternative credit data in their credit decisioning process to identify new markets:...

  • alternative credit data, credit strategy, decisioning
 

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