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A New Pathway to Financial Inclusion: Alternative Data, Credit Building, and Responsible Lending in the Wake of the Great Recess

This PERC study compares results with data from2005/2006 and 2009/2010 credit reports to assess the consumer credit impact of including fully reported alternative data in credit reports. The data was selected to capture the period during which unemployment and late payments spiked.

Authors:  Michael A. Turner, Ph.D., Robin Varghese, Ph.D., Patrick Walker, M.A., Sukanya Chaudhuri, PhD.

To download the report click on the link

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