{"id":1583,"date":"2013-09-23T12:57:18","date_gmt":"2013-09-23T16:57:18","guid":{"rendered":"https:\/\/www.duck9.com\/?p=1583"},"modified":"2013-09-23T12:59:14","modified_gmt":"2013-09-23T16:59:14","slug":"big-datas-effect-on-credit-reporting-and-credit-underwriting","status":"publish","type":"post","link":"https:\/\/www.duck9.com\/blog\/big-datas-effect-on-credit-reporting-and-credit-underwriting\/","title":{"rendered":"Big Data’s Effect on Credit Reporting and Credit Underwriting"},"content":{"rendered":"
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By Larry Chiang<\/span><\/div>\n

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I get asked all the time: how does big data alter credit algorithms.<\/span><\/div>\n

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In short, how does all this data, currently unused, get used to make better credit answers<\/span><\/div>\n

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Vulgar Four Word Answer: All the debit data<\/span><\/div>\n

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The credit data is already getting collected. Right now, the debit data is not<\/span><\/div>\n

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Massive amounts of Debit data can be used to make credit decisions
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By Larry Chiang I get asked all the time: how does big data alter credit algorithms. In short, how does all this data, currently unused, get used to make better credit answers Vulgar Four Word Answer: All the debit data The credit data is already getting collected. Right now, the debit data is not Massive […]<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1],"tags":[],"class_list":["post-1583","post","type-post","status-publish","format-standard","hentry","category-uncategorized"],"post_mailing_queue_ids":[],"_links":{"self":[{"href":"https:\/\/www.duck9.com\/blog\/wp-json\/wp\/v2\/posts\/1583","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.duck9.com\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.duck9.com\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.duck9.com\/blog\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/www.duck9.com\/blog\/wp-json\/wp\/v2\/comments?post=1583"}],"version-history":[{"count":0,"href":"https:\/\/www.duck9.com\/blog\/wp-json\/wp\/v2\/posts\/1583\/revisions"}],"wp:attachment":[{"href":"https:\/\/www.duck9.com\/blog\/wp-json\/wp\/v2\/media?parent=1583"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.duck9.com\/blog\/wp-json\/wp\/v2\/categories?post=1583"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.duck9.com\/blog\/wp-json\/wp\/v2\/tags?post=1583"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}