Alternative Data in the US: Progress, Promise, and Paralysis

This paper highlights new solutions in the alternative data and proven payment data space that are benefiting the credit invisible but advocates that the first-best solution for consumers would be pervasive full-file credit reporting of utility, telecom, and rental payment data directly to the main consumer databases operated by the nationwide CRAs.


Authors: Michael A. Turner, Ph.D., Patrick Walker, M.A.