December 2024
How to rethink credit scoring in the modern era
This whitepaper explores the evolution of credit scoring, its limitations, and strategies to modernize lending decisions for today's challenges.
Key takeaways
- Traditional credit scores often fail to predict future risk or assess nontraditional borrowers accurately.
- Diverse and consented data sources can help better evaluate borrower creditworthiness.
- Modernizing credit decisioning can help lenders make sharper decisions, reduce default rates and unlock growth opportunities.
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