More Than Just a Number: New ways to determine risk in individual loan applicants who have no credit record

Photo credit: Images Money. https://www.flickr.com/photos/59937401@N07/5474825330/in/photolist-9kMUQb-sUM3n-4nffv9-bgfJs6-37HMKg-D3QKco-biaBRX-CXS95v-7vBmWZ-9jeqKN-biaCV6-9VwGaa-6Y3eoz-4BzjB-9VCot1-wu7Say-8LFbhE-bnZQ8Z-2WdaSy-9biQY6-f3MmR6-9Ajs9g-7ASToy-6DtkQL-bfkmJ-98yw4q-9VBTZs-Bq74-HXgs4-4tXH1q-7wKLgq-7vBn9x-beBtDe-5XFw6m-9vhaAV-apG5Gh-dDqzhQ-bgfFKc-4i7zgm-peP4yt-biaY1B-79pk6F-oXA73Y-oXALBj-pd3YsL-oXANk9-9Hn37k-f42KUw-qgskU-ksG9f