Lesson 7 of 10
When data is thin: new customers, alternative data and rejected applicants
A score learns from past borrowers. People with little or no credit history, and applicants the lender turned away, are exactly the people it knows least about. Each gap has its own remedies, and each remedy has limits.
Published 12 October 2026 · Listen to this lesson
In this lesson
- No file, thin file
- Alternative data, used with care
- Starting small and building a history
- The rejected applicants problem
- What this means in practice