One-fifth of the U.S. population is unbanked or underbanked1, and 24% of this group is unscorable2. Many of these consumers are likely to be as creditworthy as those full-file, prime applicants. In fact, our own analysis showed that, when applying enhanced criteria, 51% have a similar default rate to highly coveted prime consumers.
1. FDIC National Survey of Unbanked and Underbanked Households, 2013
2. LexisNexis Risk Solutions research, 2013
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