FINANCE
Loan approvals now focus past your score
Beyond the Traditional Credit Score
Fintech lenders now prioritize income and employment stability. But one dataset can override both of these factors.
The Deciding Factor: Bank History
Automated systems scan recent transaction data for risk. Consistent cash flow often outweighs a mediocre FICO rating.
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The article details how lenders calculate APR and the top five data points they analyze.
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