What is Alternative Credit Data? Uses, Types & Dataset Examples
- Overview
- Datasets
- Providers
- Attributes
- FAQ
- Overview
- Datasets
- Providers
- Attributes
- FAQ
What is Alternative Credit Data?
Alternative credit can be described as a catch-all phrase to highlight the reports on credit not normally reported in mainstream credit datasets. An alternative credit refers to any form of credit that is not included in the traditionally recognised investment grade and is better protected from the wider credit market movements. This data is useful when a business wants to establish good quality accounts which they can use to reduce credit risk and improve, retain, and grow a profitable customer base.
Examples of Alternative Credit Data include rental payment history, utility payment history, and mobile phone payment history. Alternative Credit Data is used by lenders and financial institutions to assess the creditworthiness of individuals who have limited or no traditional credit history. In this page, you’ll find the best data sources for alternative credit data provided by various alternative credit data providers.
Best Alternative Credit Databases & Datasets
Here is our curated selection of top Alternative Credit Data sources. We focus on key factors such as data reliability, accuracy, and flexibility to meet diverse use-case requirements. These datasets are provided by trusted providers known for delivering high-quality, up-to-date information.
Transact Signal Consumer Alternative Data | USA Data | 100M+ Credit & Debit Cards, 12K+ Merchants, 800+ Parent Companies, 600+ Tickers
Coresignal | Company Financial Data | Alternative Data | Global / 1B+ Records / Largest Professional Network / Updated Daily
Factori AI & ML Training Data | Point of Interest Data (POI) | Global | Machine Learning Data
Transact Signal EUR Consumer Alternative Data | Austria, France, Germany, Italy, Spain, UK | 6.7M Accounts, 5K Merchants, 600 Companies
AI Training Data | Annotated Checkout Flows for Retail, Restaurant, and Marketplace Websites
UK B2B Data | Online Count Tool | Bizi Platform | DIY B2B Counts | Run your own counts!
Factori Geospatial Data | Global | Location Intelligence | POI , Foot Traffic, Store Visit
Vision Consensus Estimates Data | USA Transaction Data | 100M+ Credit & Debit Cards, 12K+ Merchants, 800+ Parent Companies, 600+ Tickers
Vision Consumer Transaction Data | USA Data | 100M+ Credit & Debit Cards, 12K+ Merchants, 800+ Parent Companies, 600+ Tickers
BrightQuery (BQ) Public Companies Dataset (4000 US companies covered)
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Top Alternative Credit Data Providers & Companies
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Rubix Data Sciences
CoverageUSAUK+246Rubix helps you take prudent credit risks, build a robust supply chain & monitor compliance for your business partners. -
Consumer Edge
CoverageUSAUK+248Consumer Edge is a leader in alternative consumer data for public and private investors and corporate clients. Transaction data, scanner data, web data, and email receipt data spans dozens of industries, hundreds of companies, and global geographies to empower strategic decision-making.100M+Credit & Debit Cards30K+Public & Private Brands700+Parent Companies -
Hoeg & Company
CoverageUSAEfficiency and Quality Ratings measure of how well a bank uses its resources to achieve profitable results and build a quality business portfolio. The evaluation is based on Efficient Frontier Analysis, a much more accurate way to measure business performance.99%Coverage of U.S. Banks4,600+Number of Banks Rated45Number of Quarters of Ratings -
M Science
M Science is a data provider offering Credit Card Data, Stock Market Data, Alternative Data, Debit Card Data, and Alternative Credit Data. They are headquartered in United States of America.
Main Attributes of Alternative Credit Data
Below, we outline the most popular attributes associated with this type of data—features that data buyers are actively seeking to meet their needs.
| Attribute | Type | Description | Action |
|---|---|---|---|
| String | The ticker symbol of a stock. | View 6 datasets | |
| String | The name of a brand. | View 5 datasets | |
| String | The currency code as per ISO 4217. | View 5 datasets | |
| String | The country code in Alpha-2 format (ISO 3166) | View 2 datasets | |
| String | The identifier (ID) of a location. | View 2 datasets | |
| String | The address of a company or contact (street name, number, zip code, city, county, country). | View 1 datasets |
Frequently Asked Questions
How is the Quality of Alternative Credit Data Maintained?
The quality of Alternative Credit Data is ensured through rigorous validation processes, such as cross-referencing with reliable sources, monitoring accuracy rates, and filtering out inconsistencies. High-quality datasets often report match rates, regular updates, and adherence to industry standards.
How Frequently is Alternative Credit Data Updated?
The update frequency for Alternative Credit Data varies by provider and dataset. Some datasets are refreshed daily or weekly, while others update less frequently. When evaluating options, ensure you select a dataset with a frequency that suits your specific use case.
Is Alternative Credit Data Secure?
The security of Alternative Credit Data is prioritized through compliance with industry standards, including encryption, anonymization, and secure delivery methods like SFTP and APIs. At Datarade, we enforce strict policies, requiring all our providers to adhere to regulations such as GDPR, CCPA, and other relevant data protection standards.
How is Alternative Credit Data Delivered?
Alternative Credit Data can be delivered in formats such as CSV, JSON, XML, or via APIs, enabling seamless integration into your systems. Delivery frequencies range from real-time updates to scheduled intervals (daily, weekly, monthly, or on-demand). Choose datasets that align with your preferred delivery method and system compatibility for Alternative Credit Data.
How Much Does Alternative Credit Data Cost?
The cost of Alternative Credit Data depends on factors like the datasets size, scope, update frequency, and customization level. Pricing models may include one-off purchases, monthly or yearly subscriptions, or usage-based fees. Many providers offer free samples, allowing you to evaluate the suitability of Alternative Credit Data for your needs.
