Articles
Choosing a credit bureau in Colombia
See what Ley 1266 changes in your decline rule, how to compare Colombia’s credit bureaus for your applicant segment, and how to test a second source.
Choosing a credit bureau in Peru
See what the SBS Central de Riesgos covers, what private bureaus may add, and how to test whether a second bureau is worth its cost.
How to choose a credit bureau in Brazil
Compare Brazilian credit bureaus by the information they add to your decisions, the permissions each source requires and the value they bring on your applicants.
Choosing a credit bureau in Argentina
Start with the BCRA’s free Central de Deudores, then test what a paid report adds to decisions on your applicants. Use the results to decide whether Veraz, Nosis or another provider earns a contract.
Choosing a credit bureau in Costa Rica
CICOC gives you access to current obligations with SUGEF-supervised entities. Learn what it leaves out and how to test whether a private bureau adds value on your applicants.
Choosing a credit bureau in Chile: DICOM and REDEC
A clean DICOM file does not show every debt an applicant has. Learn what DICOM and REDEC tell you, how to use each in a solvency decision, and what to prepare before December 2026.
Rules engine design patterns for choosing policy structures
Learn how to structure a lending policy in a rules engine and check that row order, missing values and uncovered branches return the intended decision.
South African consumer credit arrears and how to compare them
See how South Africa’s consumer credit book has changed, where older arrears are held, and how to compare your own portfolio with the NCR’s figures.
Collections calls need oldest debt first and live numbers
Before agents log in, your call list has more past-due customers than the floor can ring today. It is sorted by days past due and carries each customer’s latest application number, but a vendor has offered a score to reorder it, and you need to decide whether that change is worth the calls it uses.
How to authorize alternative data in a fintech credit product
GDPR does not ban alternative data as a category. Map who holds each source, choose an access route and build a customer authorization your lender can prove.