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Alternative Credit Scoring in the US: Innovators Applying Data Science to Unlock Financial Potential of ‘Thin-File’ Individuals
In 2015, there were 26 million credit invisible consumers in the US, according to the report by Consumer Financial Protection Bureau (CFPB). Although those people are credit-invisible for the traditional sector, their everyday activity and alternative records represent a meaningful and vast source of precise hallmarks of their level of sustainability, resilience