THE FUTURE OF CREDIT: HOW ALTERNATIVE DATA IS CHANGING THE GAME AND HOW SCORENAVIGATOR KEEPS YOU AHEAD

The world of credit scoring is evolving. For years, credit decisions have been based mostly on traditional factors like payment history, amounts owed, and length of credit history—things that show up on your standard credit report. But a growing number of people are left out of this system. Millions of consumers have little or no credit history, making it hard for them to qualify for loans, even if they manage their finances well.

Now, that’s starting to change. And ScoreNavigator is here to help you take full advantage of what’s next.

What Is Alternative Data?

"Alternative data" refers to financial information that is not typically included in traditional credit reports. This can include:

• Rent payments

• Utility and phone bills

• Bank account activity

• Subscription services

• Income and cash flow data

Lenders and regulators are beginning to recognize that this kind of data offers a more complete view of someone’s financial behavior. For example, if you consistently pay rent and your utilities on time, that should show lenders you’re reliable—even if you’ve never had a credit card or a loan before.

Why This Matters to You

The shift toward using alternative data is great news for anyone who has had a hard time building credit. It opens doors for “credit invisible” consumers and creates a more inclusive lending system.

Government agencies like Fannie Mae and Freddie Mac, along with new fintech companies, are exploring how to incorporate this data into lending decisions. Even though FICO is still widely used, its influence is being challenged as more flexible, data-rich models gain traction.

How ScoreNavigator Fits In

ScoreNavigator provides a complete view of your credit with full credit reports and scores, clearly organized by positive and negative accounts. Our exclusive Point Deduction Technology® shows how each account affects your score using a simple, point-based format, helping you see the real impact of financial decisions.

You will receive a personalized Action Plan with both short and long-term strategies designed to help you maximize your score potential. Our Audit Report and Credit Changes features make it easy to track account updates and flag inaccuracies, while Credit Factors highlight key influences on your score, with clear instructions for navigating them.

Additional tools include Account Alerts to help you manage payment timing and balance ratios, Recommendations tailored to real-life financial situations, and Audio Explanations that walk you through your tradelines which is all included with your ScoreNavigator membership.

The ScoreNavigator Advantage

The future of credit is all about understanding your full financial picture. With ScoreNavigator, you’re not just watching your credit; you’re mastering it. By aligning with the latest trends in credit analysis and offering deep, personalized tools, we help you take control no matter where you start.

As the industry moves toward more inclusive scoring methods, ScoreNavigator ensures you are not left behind.

Sign up now at: www.ScoreNavigator.com.