credit scores

Alternative Data Boosts Credit Access as New Legislation Emerges
Alternative Data Boosts Credit Access as New Legislation Emerges
April 21, 2025  |  Financial Inclusion

Roughly two years ago, PYMNTS Intelligence, working in collaboration with Sezzle, found that 80 million U.S. consumers lacked reliable access to credit, which means that...

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OCC’s Hood Sees Value in Using Alternative Data to Expand Credit Access
OCC’s Hood Sees Value in Using Alternative Data to Expand Credit Access
March 31, 2025  |  credit frictions

On Monday (March 31), PYMNTS Intelligence reported that for impulse and emergency purchases alike, a sizable segment of consumers are slightly more likely to pay with...

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Experian Targets ‘Credit Invisible’ Borrowers With Cashflow Score
Experian Targets ‘Credit Invisible’ Borrowers With Cashflow Score
March 25, 2025  |  Loans

Experian has launched a tool designed to increase financial access for people with limited credit history. Cashflow Score, unveiled Tuesday (March 25), is designed to give lenders a...

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How OppFi Can Say Yes to Credit When Traditional Banks Say No
How OppFi Can Say Yes to Credit When Traditional Banks Say No
March 20, 2025  |  Consumer Finance

U.S. consumers hold a record $1.2 trillion in credit card debt. Right now, households are in a holding pattern, where the growth in card balances...

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Subprime Borrowers Seek Strategies to Improve Their Credit Scores
Subprime Borrowers Seek Strategies to Improve Their Credit Scores
March 12, 2025  |  Consumer Finance

The pressures of mounting card debt, still-high interest rates and tightening underwriting threaten to expand the ranks of subprime borrowers — all the while making...

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Interest Rate Caps Threaten Credit Access and FinTech Partnerships
Interest Rate Caps Threaten Credit Access and FinTech Partnerships
March 03, 2025  |  Bank Regulation

There have been pockets of momentum to curb interest rates charged for balances credit cards and for loans extended by FinTechs. But the impact may...

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Late Student Loan Borrowers Face 129-Point Credit History Hit
Late Student Loan Borrowers Face 129-Point Credit History Hit
February 27, 2025  |  Loans

There’s a new source of stress facing America’s already-stressed student loan borrowers. For the first time since the pandemic, delinquent payments will be added to...

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CFPB Warns Consumers of Rising Number of Credit Reporting Firms
CFPB Warns Consumers of Rising Number of Credit Reporting Firms
January 30, 2025  |  CFPB

The CFPB has published its annual list of companies that collect and sell consumer data. The list, the Consumer Financial Protection Bureau (CFPB) said Thursday...

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American Honda Finance to Settle CFPB Allegations of ‘Sloppy’ Credit Reporting
American Honda Finance to Settle CFPB Allegations of ‘Sloppy’ Credit Reporting
January 17, 2025  |  Regulation

American Honda Finance Corporation (AHFC) reached an agreement with the Consumer Financial Protection Bureau (CFPB) to settle the regulator’s allegations that the company reported inaccurate information...

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