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Alternative Credit Scoring: Timeline

The credit scoring system that was started in the 1950s evolved into the Fair, Isaac and Company (FICO) score, which has helped lenders all around the world predict the behaviour…

Alternative Credit Scoring: Regulatory Trends

Even with alternative credit scoring, few lenders provide meaningful transparency around how they score would-be borrowers, nor the pricing categories underpinning those scores. This suggests a gap in the market…

Alternative Credit Scoring: Macroeconomic Trends

Traditional credit models rely on inputs about the presumed macroeconomic forecasts, which typically use traditional economic theory concepts of general or partial equilibrium. These forecasts may be completely unreliable as…