In this episode of Credit in Focus, we explore how alternative data is helping lenders expand access to credit for thin‑file and credit‑invisible consumers, without increasing risk. Drawing on research from over four million credit card applications, we break down why nearly a quarter of applicants lack a traditional credit footprint and how solutions like RiskView™ make 95% of them scorable.

Join Zach Tondre and Kristin Carlson-Vinjamuri as they unpack key findings, including how positive alternative data can double the likelihood of becoming scorable, improve future credit performance, and drive a 12% increase in approvals. They also explain why financial inclusion and risk management don’t have to be trade-offs—and how lenders can say “yes” with greater confidence.

Tune in to learn how smarter, more complete data is transforming credit decisioning and unlocking growth for lenders and consumers alike.

You can reference our data discussed in the episode here.

DISCLAIMER: The information provided in this podcast is for informational purposes only and is not intended to and shall not be used as legal advice. The views and opinions expressed in this podcast are solely those of the speakers and do not necessarily reflect the views or positions of LexisNexis Risk Solutions. LexisNexis Risk Solutions does not warrant that the information provided in this podcast is accurate or error-free.

LexisNexis and the Knowledge Burst logo are registered trademarks of RELX Inc. Other products and services may be trademarks or registered trademarks of their respective companies. Copyright© 2026 LexisNexis Risk Solutions.

Delinquency is rising and confidence in traditional credit data is waning.

In this episode, Carrie Coker, Senior Director of Market Planning for Servicing and Recovery, Denise Cross, Director of Consultative Solutions for Servicing and Recovery and Joe Jarpe, Senior Manager of Data Science, explore delinquency behavior, behavioral risk signals, alternative data and transiency to explain why many consumers enter collections with no recent credit delinquency.

Learn how reachability, public records, credit invisibility and early warning signals are reshaping collections strategy, prioritization, compliance and recovery performance.

To view the data we discuss in the episode, click here.

DISCLAIMER: The information provided in this podcast is for informational purposes only and is not intended to and shall not be used as legal advice. The views and opinions expressed in this podcast are solely those of the speakers and do not necessarily reflect the views or positions of LexisNexis Risk Solutions. LexisNexis Risk Solutions does not warrant that the information provided in this podcast is accurate or error-free.

LexisNexis and the Knowledge Burst logo are registered trademarks of RELX Inc. Other products and services may be trademarks or registered trademarks of their respective companies. Copyright© 2026 LexisNexis Risk Solutions.

As the economic landscape shifts heading deeper into 2026, lenders are navigating a more complex and uneven risk environment defined by widening financial divides, rising delinquencies, regulatory uncertainty and evolving borrower behavior.

In this episode, host Zach Tondre, Director of Market Planning at LexisNexis Risk Solutions, is joined by Carrie Coker, Senior Director of Market Planning for Servicing and Recovery and Amy Crawford, Senior Director of Market Planning for Business Risk Management, to explore how U.S. lenders and servicers are adapting to today’s new risk reality.

Together, they unpack the key credit risk trends shaping 2026, including:

• How a K‑shaped economy is driving credit demand rooted in necessity rather than growth
• Why rising delinquencies are making proactive portfolio monitoring and early intervention more critical
• The downstream servicing and recovery impacts of increased credit card, BNPL and short‑term loan usage
• How tariff volatility and margin pressure are affecting certain small business sectors more than others
• The growing complexity introduced by policy changes around student loans and medical debt
• Why alternative data has moved from “nice to have” to essential across origination, servicing and small business lending

Learn how lenders can sharpen visibility, adapt strategies and make more confident credit decisions in a rapidly changing environment.

DISCLAIMER: The information provided in this podcast is for informational purposes only and is not intended to and shall not be used as legal advice. The views and opinions expressed in this podcast are solely those of the speakers and do not necessarily reflect the views or positions of LexisNexis Risk Solutions. LexisNexis Risk Solutions does not warrant that the information provided in this podcast is accurate or error-free.

LexisNexis and the Knowledge Burst logo are registered trademarks of RELX Inc. Other products and services may be trademarks or registered trademarks of their respective companies. Copyright© 2026 LexisNexis Risk Solutions.