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I just got my dream bike!It costed a fortune so I had to take a big loan to pay for it.
PAST
I was in a motorbike accident, I lost my bike but thankfully I'm ok.
Yes however, you are not covered by any insurance and you will have to pay the full cost
PAST
I understand, that means I have to pay for my medical bill and bike with my savings.
Due to the pandemic and your current injuries,we have decided to let go of you.
PAST
Using traditional credit analysis, you will not be eligible for unsecured loan
What why?
I have fully recovered from my injuries and have paid all my loans.I have a stable job now and I want to get a loan for a new bike.
Traditional credit analysis uses the 5 C's of credit, which shows that you had a past history of late loan payments, and since this is a big loan you have no collateral for the bank.#160;
What if you use alternative data?
If we use alternative data, we will look at data like transaction data,social network data,survey data, utility and rental data and more to for an indication of future performance.
Yes, based on alternative data you are now eligible for an unsecured loan.
That's great! I have gotten a new job, paid all my rent and haven't had a late payment since.Does that mean I'm eligible now?

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