Making a Credit Decision in the Absence of Credit Scores
When a credit score isn’t available, credit teams must dig deeper. This guide explores how to assess creditworthiness using alternative data, operational insights, and smart protections—so you can make confident, compliant decisions even in low-data situations.
What You’ll Learn:
How to evaluate customers without credit scores or financial statements
Ways to manage and mitigate risk for borderline or thin-file accounts
Tools, data points, and safeguards to support sound credit decisions
