Unlike traditional mortgage and credit card issuers who consult Equifax, Experian, and TransUnion, small-dollar lenders utilize specialty alternative consumer reporting agencies.
1. Primary Alternative Credit Reporting Agencies
Reporting Agency
Parent Corporation
Primary Data Tracked
Clarity Services
Experian
Real-time short-term installment inquiries, bank account stability, and default history
Teletrack
CoreLogic
Storefront payday loans, rent-to-own agreements, and title lending records
FactorTrust
TransUnion
Alternative financial services transaction history and non-prime loan repayment metrics
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Consumer Credit Underwriting Review Board
Our research panel evaluates small-dollar credit underwriting standards, TILA APR disclosures, state usury rate caps, and CFPB consumer protection rules.
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