Comparison
No conflict. A Carrington Labs model is built from whatever proves predictive for your portfolio — bureau, application, cash flow or internal performance data. Clarity attributes you already receive can simply be among the inputs tested, where your data rights allow.
Clarity provides an additional data source. Carrington Labs turns that and other available data into a lender-specific risk model, then applies the resulting probability of default to approval and offer decisions.
Clarity Services supplies alternative credit data drawn from activity reported by participating alternative-finance providers. It provides information about borrowing activity reported by participating alternative-finance providers.
Carrington Labs can use Clarity data, traditional bureau data, cash flow data, application information and the lender's own repayment history within one custom model. The result is a lender-specific probability-of-default estimate built around the lender's product and observed outcomes, rather than another standalone report or generic score.
Additional bureau data creates more value when it is tested, engineered and combined with the lender's other predictive data. Carrington Labs engineers the relevant variables, tests their predictive contribution and combines them with other available data in one model.
Carrington Labs calibrates the model to the lender's product mechanics, customer population, performance definition and risk strategy. A bureau score or report is standardized across users.
Carrington Labs can combine alternative bureau history with customer-permissioned transaction data to capture liquidity, stability, obligations, volatility and other cash flow behaviors that may not appear in a credit report.
As more repayment outcomes become available, Carrington Labs can retrain the model and engineer additional features where the data supports them. Retraining is included rather than treated as a separate model-build engagement.
Carrington Labs' Credit Offer Engine can use the model's probability of default together with expected loss, take rate, price elasticity, costs and lender constraints to recommend amount, term and price.
Carrington Labs is built for non-prime and specialist lenders that want:
For custom model engagements, proprietary lender data remains within that lender's model-development and validation process and is not pooled into another lender's custom model, subject to the governing agreement.
Test Clarity and other available data within a model built around your own repayment outcomes and commercial objectives.
Comparison based on publicly available product information as of July 2026. Third-party names and trademarks belong to their respective owners. Carrington Labs is not affiliated with or endorsed by the companies referenced unless expressly stated.
Leave your details below and our team will schedule a call to discuss your business and how Carrington Labs can help.
