http://www.kansascity.com/business/story/256732.html
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about 50 million consumers — often young adults, new college grads, minorities, immigrants and seniors — have thin or nonexistent credit histories that limit their access to mainstream credit sources, such as banks.
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The Brookings Institution study suggests that many consumers outside the mainstream actually have risk profiles similar to those in the mainstream. In fact, use of alternative scoring may bump up some consumers’ scores 11 percent or more.
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