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Use of alternative credit data offers promise, raises issues

Author

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  • Anna Afshar

Abstract

Companies are beginning to use alternative credit data in a variety of ways for the purposes of making credit decisions. This article looks at the prospective benefits of using the new data, examines the potential usefulness of various sources of alternative data, and offers some considerations for lenders, consumers, and policymakers when these data are used.

Suggested Citation

  • Anna Afshar, 2005. "Use of alternative credit data offers promise, raises issues," New England Community Developments, Federal Reserve Bank of Boston, pages 1-6.
    • Handle: RePEc:fip:fedbcd:y:2005:p:1-6:n:1
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    File URL: http://www.bostonfed.org/commdev/necd/2005/q3/credit.pdf
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