American Financial Services Association

AFSA Webinars | Learn to See the Credit Invisibles Next Week

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AFSA Webinars | Learn to See the Credit Invisibles Next Week

AFSA Business Partner webinars presents Learn to See the Credit Invisibles, presented by Clarity Services.

The presentation will be held on Wednesday, September 13 at 2:00 p.m. ET and registration is now open.

Clarity Services CEO Tim Ranney will tell us about the term “Credit invisible,” which is used in the prime lending space to describe a consumer with no credit history in a traditional credit bureau file. “Thin file” and “stale file” refer to consumers with either limited credit history and/or old information (no trade line activity in the past 24 months, for example). It is extremely difficult for lenders to underwrite individuals with such little information. However, many consumers who are deemed credit invisible or thin/stale file are active in the subprime lending space and have credit histories in alternative credit bureaus.

In this webinar, you'll learn:

  • Who these consumers are (demographics including age, income, geography, etc.)
  • General stability attributes and trends regarding how they use credit products.
  • The different types of thin/stale file consumers.
  • The most important factors for underwriting these consumers.

This presentation is part of AFSA's Business Partner Webinar series, which allows industry experts to share timely, educational topics directly with AFSA members.The webinars are designed to provide information that will allow AFSA members to more effectively design, develop and implement strategies for their company's success. Past recordings and a list of other upcoming webinars can be found in the AFSA Webinar Resource Center. For more information, contact Dan Bucherer, Communications Manager, at

September 6th, 2017 by