Alternative Data & Fintech Tools
Explore our comprehensive guides and articles about Alternative Data & Fintech Tools.
November 14, 2025
How Rent-Reporting Services Really Work: Boost Your Score Without a Credit Card
Learn how rent-reporting services add rent payments to credit files, which scores they affect, costs, and step-by-step tips to boost credit without a card.
November 14, 2025
Case Study: How Rent Reporting Moved Real People’s FICO Scores (and When It Didn’t)
Real-world study of rent reporting: who gained FICO points, why some renters saw no change, and practical steps to make rent reporting work for you today.
November 14, 2025
Buy Now, Pay Later (BNPL) and Alternative Data: Can Responsible Use Help Build Credit?
Can BNPL help build credit? Learn how BNPL reporting, bureau & regulator moves, and new scoring models may affect scores — plus steps to use BNPL responsibly.
November 14, 2025
The Future of Credit Scoring: How Open Banking and APIs are Changing Credit Access
Open banking and APIs are reshaping credit scoring by using bank data for faster underwriting and wider access, while creating new privacy and fairness risks.
November 14, 2025
Experian Boost, UltraFICO and Alternatives: Which ‘Boost’ Tools Actually Move Your Score in 2025?
Compare Experian Boost, UltraFICO, rent-reporting and other fintech tools to learn which actually move credit scores and when in 2025.
November 14, 2025
Top Fintech Credit‑Builder Tools in 2025 — Features, Costs, and Who They Help
Compare leading fintech credit‑builder tools in 2025 — features, costs, reporting timelines, and who benefits most. Make an informed choice for building credit.
November 14, 2025
Privacy & Risk: What Alternative Data Providers Collect When They Report Your Payments
What alternative-data and fintech firms collect when reporting rent, utilities, BNPL and bank payments—privacy risks, consumer rights, and steps to protect data.
November 14, 2025
Using Utility & Phone Payments to Build Credit: A Practical Step-by-Step Guide
Practical guide to using utility and phone payments to build credit. Learn which services report, how to enroll, privacy risks and reporting timelines.
November 14, 2025
Fintech Apps That Report Positive Behavior to Bureaus: What to Know Before You Sign Up
Learn how fintech apps report positive payments (rent, utilities, credit-builder loans, BNPL) plus costs, privacy risks, and 6 key checks before enrolling.