Publications

Give Credit Where Credit is Due: Increasing Access to Affordable Mainstream Credit Using Alternative Data

PERC’s landmark study on bringing the estimated 35 to 54 million Americans outside the mainstream credit system into the credit fold, Give Credit Where Credit Is Due offers feasible market solutions involving “alternative” or non-traditional payment data, such as payment obligations such as rent, gas, electric, insurance, and other recurring obligations, to evaluate the risk profile of a potential borrower.

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Authors: Alyssa Stewart Lee, Michael A. Turner, Ph.D., Patrick Walker, M.A., Robin Varghese, Ph.D.

Topics: Alternative Data Initiative, Community Development, Credit Access, Economic Development, Information Led Development, Information Policy