CFSI: American Banker: Alternative Data Can Help Eliminate Credit's Catch-22

The Catch-22 of credit — that you need it to get it — should not exist in this day and age when data galore is at our fingertips.

The use of alternative data, like rent and utility payments in credit decisioning –  which industry professionals have been prophesizing about for years – should be more prevalent. Yet, millions of Americans continue to go without access to affordable, high-quality credit products, in part, because they lack a long credit history or do not have a credit history at

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