What data do credit bureaus collect from lenders?
This article breaks down the specific categories of data that lenders report to credit bureaus across Africa. It focuses strictly on lender supplied data, not how bureaus score it or how lenders later consume it.
Frequently asked questions about alternative credit scoring
The traditional credit score is a relic of an era that didn’t understand how modern people actually move money. If you’ve ever wondered how your utility bills, airtime purchases, or even your social media footprint could help you get a loan, you’re looking at alternative credit scoring. We’re answering the real questions about how this data is collected, whether it’s actually secure, and why it’s finally making "unbanked" a term of the past.
What is the Credit Card Act and why was it introduced?
In the years before 2009, credit cards had become one of the most common forms of consumer borrowing in the United States. By 2008, household credit card debt had climbed past $900 billion, according to Federal Reserve data, and card issuers were enjoying some of their most profitable years. The business model was clear: interest […]