Alternative Data

In economic policy, alternative data refers to the inclusion of non-financial payment reporting data in credit files, such as telecom and energy utility payments.PERC is the primary thought leader in this field, having conducted multiple studies on alternative data. PERC proposes that mainstream lenders use "alternative" or "nontraditional" data, including payment obligations such as rent, gas, electric, insurance, and other recurring obligations to evaluate the risk profile of potential borrowers.
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