Expand credit decisioning insights to include deposit activity for the greater good of improving financial inclusion.

Expand Credit Insights is a solution available to financial institutions (FIs) assessing lending decisions on no-hit and no-file consumers by understanding their deposit account activity.

Expand Credit Insights landing page graphic

Lender submits request to credit bureau.

For no-hit and no-file consumers, bureau1 requests information from Early Warning®.

Early Warning discovers activity in applicant deposit accounts and returns summarized attributes to aid decisioning.

Lender evaluates application and responds to consumer.

  • Nearly 50 million U.S. adults don’t have credit scores.2
  • Just because someone hasn’t had credit in the past, does not mean that they should not have access to credit in the future. Many consumers with no credit history have deposit history which may increase lender confidence to grant credit.
  • Expand Credit Insights was developed in support of Project REACh to help expand access to credit and capital.
  • Early Warning is proud to be a participating member of the Project REACh Alternative Credit Assessment Utility Workstream, which is driving the effort to help those without traditional credit scores enter mainstream financial services.

1 Equifax, Experian, or TransUnion.

2Source: Alternative Credit Assessment Utility Workstream Overview.

Explore how you can broaden your market of qualified credit applications while managing risk to help more people achieve the American Dream! Contact us today.

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In the United States today, tens of millions of people face barriers to participation in the financial system - either hard barriers (inability to get an account) or soft barriers (higher fees). Disproportionately, this pervasive issue impacts the historically underserved populations. What are financial institutions and credit agencies doing to increase financial inclusion?