Privacy Policy

This privacy policy sets out how FactorTrust uses and protects any information that you give FactorTrust when you use this website. FactorTrust is committed to ensuring that your privacy is protected.

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.

More Data Alone Doesn’t Always Mean More Business

  • December 3, 2017

By Randy Bobb, FactorTrust VP, sales, auto finance Unique Data Properly Analyzed Provides the Most Meaningful Insights For any...

  • alternative credit data, underbanked
 

Alternative Credit Data and the Analytics Process: Defining the Dependent Variable

  • November 21, 2017

By Dan Richard, FactorTrust VP, analytics & product strategy In the past few months, we have been exploring the...

  • alternative credit data, analytics, TransUnion
 

Alternative Credit Data and the Analytics Process: Sample Design

  • October 23, 2017

By Dan Richard, FactorTrust VP, analytics & product strategy Last month, we discussed that FactorTrust regularly develops and deploys...

  • alternative credit data, analytics, sample design
 

Alternative Credit Data and the Analytics Process: Capturing the Business Problem

  • September 21, 2017

By Dan Richard, FactorTrust VP, analytics & product strategy For any business that extends credit to consumers, data is...

  • alternative credit data, analytics, FactorTrust
 

Neuroticism with a Purpose: Avoiding Identity Theft

  • September 14, 2017

By Barb Sinsley, FactorTrust general counsel & chief compliance officer I am a fairly neurotic parent. We all are....

  • FactorTrust, fraud, identity theft
 

Eighty Percent of Underbanked Earn Less than $50k/Year—And Other Insights to Help Non-Prime Auto Finance Companies Identify Right Customers

  • August 24, 2017

By Dan Richard, FactorTrust VP, analytics & product strategy Would you make a decision about buying a car without...

  • FactorTrust, underbanked
 

FactorTrust Analytics Team Swarmed by Yellow Jackets

  • August 24, 2017

By Dan Richard, FactorTrust VP, analytics & product strategy FactorTrust was swarmed by Yellow Jackets yet again this summer....

  • FactorTrust, Georgia Tech, internship
 

Paving the Way to the Next Generation of Data

  • August 21, 2017

by FactorTrust CEO Greg Rable If a doctor determines the root of an illness without considering a patient’s entire...

  • alternative credit data, Big 3 bureaus, credit profiles, credit scores, FactorTrust
 

FactorTrust Goes Extra Mile in Ensuring Utmost Security for Consumer Data

  • August 1, 2017

Security and privacy are at the heart of any credit bureau. Safeguarding the data of 275 million transaction records per...

  • compliance, FactorTrust, PCI compliant, PII, privacy policy, security
 2

Completing the Picture of Underbanked Consumers with Alternative Credit Data

  • July 26, 2017

by Pratibha Prabhu, FactorTrust director of analytics, R&D American inventor Charles Kettering (think electrical motors, leaded gasoline and Freon),...

  • alternative credit, FactorTrust, underbanked, underbanked index
 

Surveying the Alternative Credit Data Landscape

  • July 21, 2017

By FactorTrust CEO Greg Rable There is a Korean saying that simply states, “It is dark under a lamp.”...

  • alternative credit data, CRA, FactorTrust, proprietary data, underbanked
 

Half of Underbanked Applicants have Thick Files with Low Share of Delinquent Loans

  • June 28, 2017

By Dan Richard, FactorTrust VP, analytics & product strategy An often-overlooked observation about consumers who use alternative credit products...

  • alternative credit, delinquency, thick files, thin files, tradeline
 

Fifty-Seven Percent of Underbanked have Low Debt-to-Income Ratios

  • June 28, 2017

By Dan Richard, FactorTrust VP, analytics & product strategy The Consumer Financial Protection Bureau (CFPB) recently issued a request...

  • alternative credit, Big 3, CFPB, debt to income ratio, underbanked
 

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
 

Subscribe: