Consumers who don’t have enough of a credit history can suffer from having “thin” credit scores and profiles, which can negatively affect their chances of getting a loan, mortgage, credit card and ...

Identity risk has become inseparable from credit risk. Before you can predict how someone will repay, you must be sure of who ...

Credit-card debt is soaring, interest rates on balances have moved into the 30% range on many cards, and delinquencies and bankruptcies are rising. The statistics are grim as consumers fight to keep ...

Credit unions present themselves as the "good guys," non-profit member-run organizations incapable of engaging in predatory financial services. While this is true for many, my research has uncovered ...

A Technologist? Really? When asked what they want to be when they grow up, most kids will answer: police officer, actor, astronaut, vet. But not Zilch co-founder Philip Belamant. Even back then, he ...