I like data, and this is great. Even if you hate data, this one's worth a read given we've been talking about consumer debt and loan performance over the past few months.
Really cool link! It's nice to see this increase in competition:
"FinTech loans now comprise 38% of all unsecured personal loan balances, the largest market share compared to banks, credit unions and traditional finance companies. Five years ago, FinTechs accounted for just 5% of outstanding balances."
Final update at AoYA 1 year. There's still a lot of points on the table: I get a significant boost from being at AZEO (50% of cards with a balance), and I'll be at zero scorable inquiries in a few weeks.