Key insight: Experian combines credit, cashflow, trended, and alternative data into one underwriting score. Expert quote: Experian's Scott Brown suggests the model lets lenders "say yes" more often.

With a background in financial journalism across national titles, Ruby loves helping people take control of their money and specialises in pensions, tax, banking and benefits. Experian is shaking up ...

With over 33 years of credit-related professional experience, including with Equifax, FICO, Experian, VantageScore, and ...

The average credit score for Americans in their 40s and 50s sits in the low 700s, which is good enough to access credit but ...