Sentences with phrase «other borrower behavior»
Your credit report is held by credit reporting agencies (CRAs) and it's a detailed record of your applications for credit, payment history and other borrower behavior.
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More weight is placed on educational background or future endeavors, experience at work, current and future income, and other ancillary financial behaviors to evaluate the credit risk a borrower poses to Stilt.
As regards to credit requirements, the need of a good credit score is essential because the lender has no other assurance of repayment than the borrower's credit behavior.
The deteriorating population can be identified by segmenting those prime borrowers who have 14 % more recently opened trades and 65 % higher bank card utilization — among other things — when compared against all other behavior categories.
Researchers followed borrowers» payment behavior through March 2017 using TransUnion's aggregate excess payment (AEP) algorithm, which takes into account credit card and mortgage payments, among others.