What are the potential for manipulation or gaming of alternative credit scoring systems?

Sep 23, 2021 ... Abstract. This paper covers a scoping review to establish the breadth of alternative credit scoring literature. The field is nascent and gaining ... Feb 12, 2025 ... Discover how alternative data enhances credit scoring, helping lenders to better assess creditworthiness and predict defaults. Mar 22, 2023 ... This method expands upon traditional credit scoring models and incorporates factors such as non-traditional data such as utility and rent payments, social ... VantageScore is a leading credit-score model development company that generates the most inclusive, innovative and predictive models used in the ... Feb 13, 2023 ... Some financial startups are tapping into alternative data sources as a way of serving consumers who have been shut out of traditional credit ... Oct 26, 2022 ... FHFA began to explore new models in 2014 and submitted a request for information on alternative credit scores in 2017. In 2018, Congress ... If these issues are not addressed, alternative data-driven credit-scoring systems can potentially amplify transparency and discrimination issues, preventing ... Janine S. Hiller, Fairness in the Eyes of the Beholder: AI; Fairness; and Alternative Credit Scoring, 123 W. Va. L. Rev. Feb 25, 2025 ... Alternative credit scoring models include alternative credit data, such as rent payments or transactional activity, in addition to or as a ... Jan 20, 2025 ... My work contributes socially by improving access to finance for the un- and underbanked, as well as academically by filling gaps in research. A ...