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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.

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
 

The Potential Payday Rule and a Well-Reasoned Law on Back to School

  • August 15, 2017

By Barb Sinsley, FactorTrust general counsel & chief compliance officer FactorTrust is in Georgia. So, I moved to Georgia....

  • CFPB, FactorTrust, pay day rule, payday rule
 

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 250 million transaction records...

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

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
 

Comparing the Wisconsin Butter Law and the CFPB on Arbitration

  • July 19, 2017

By Barb Sinsley, FactorTrust general counsel & chief compliance officer My kids hate it when I talk about the...

  • arbitration rule, CFPB, FactorTrust
 

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
 

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
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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
 

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