How to assess the risks to a loan application
The fact that someone has the means to pay their debts doesn’t always mean that they are responsible enough to do it. Credit Reports and Credit Scores are useful tools for weighing in on where an applicant stands when it comes to these two characteristics (ability and willingness to pay).
Does Android still allow lenders to scrap SMS from phones for scoring?
The question lenders now ask is simple: does Android still allow loan apps to scrape SMS from users’ phones for credit scoring?
How to score a freelancer who doesn’t have a traditional payslip
This article walks through how to score a freelancer without a traditional payslip. The goal is practical underwriting clarity.