Need A Loan? Your Magazine Subscriptions and Bill Paying History page context
Need A Loan? Your Magazine Subscriptions and Bill Paying History is a Billshark resource with information and navigation relevant to recurring bills, consumer choices, and savings decisions.
Lenders now weigh magazine subscriptions, bill paying history, and purchases when approving loans. See what data matters and how to keep your rates low.
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Need A Loan?.
Lenders are reaching beyond traditional credit scores — weighing whether you subscribe to magazines, shop at discount stores, and pay your bills on time.
Lenders are looking at completely different and, in some cases, peculiar data to make their lending decisions.
These revenue-driven lenders are looking for ways to approve more borrowers without taking on greater risk.
The lending industry in the United States is basically consumer data-driven.
AI allows companies to assess even the smallest details of a potential borrower.
Another interesting factor being considered in lending decisions is whether an individual subscribes to magazines.
Purchase data is another factor that can make or break your application.
Big companies collect consumer data — around the clock.
Make sure your bills are paid on time and make certain you’re never overpaying.
According to the Wall Street Journal, banks and other financiers are looking at whether applicants shop at discount stores, subscribe to magazines, or pay their phone bills on time.
UltraFICO is a newer score developed by FICO that takes into account how loan applicants manage their personal finances, including checking and savings accounts.
According to credit-reporting score TransUnion, subscriptions are viewed as evidence of stability.
Purchase data is a factor that can make or break your application.
Make sure your bills are paid on time and make certain you're never overpaying.
Billshark negotiates your bills for you — no savings, no fee.
Billshark helps lower internet, wireless, cable, satellite radio, and other monthly bills.
Our experts handle providers for customers and share updates throughout the process.
Customers pay only when Billshark finds savings on eligible bills.
1 Lenders Are Looking at New Data.
2 How Credit Data and UltraFICO Work.
3 Subscriptions, Purchases, and AI.
4 Protect Yourself: Pay on Time, Stop Overpaying.
Frequently Asked Questions.
What unusual data are lenders using to make lending decisions?.
What is UltraFICO and how does it help borrowers?.
Why do magazine subscriptions matter to lenders?.
How can purchase data affect my loan application?.
How can I protect my chances of getting approved for a loan?.
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