{"id":14718,"date":"2021-04-29T17:03:54","date_gmt":"2021-04-29T23:03:54","guid":{"rendered":"https:\/\/www.lexingtonlaw.com\/blog\/?p=14718"},"modified":"2024-05-03T11:45:50","modified_gmt":"2024-05-03T17:45:50","slug":"understanding-clarity-services-by-experian","status":"publish","type":"post","link":"https:\/\/www.lexingtonlaw.com\/blog\/credit-101\/understanding-clarity-services-by-experian.html","title":{"rendered":"Understanding Clarity Services by Experian"},"content":{"rendered":"\n<figure class=\"wp-block-image size-large\"><img decoding=\"async\" width=\"1500\" height=\"500\" src=\"https:\/\/www.lexingtonlaw.com\/blog\/wp-content\/uploads\/2021\/01\/AdobeStock_315390361_thumbnail.jpg\" alt=\"\" class=\"wp-image-14719\" srcset=\"https:\/\/www.lexingtonlaw.com\/blog\/wp-content\/uploads\/2021\/01\/AdobeStock_315390361_thumbnail.jpg 1500w, https:\/\/www.lexingtonlaw.com\/blog\/wp-content\/uploads\/2021\/01\/AdobeStock_315390361_thumbnail-1100x367.jpg 1100w, https:\/\/www.lexingtonlaw.com\/blog\/wp-content\/uploads\/2021\/01\/AdobeStock_315390361_thumbnail-768x256.jpg 768w\" sizes=\"(min-width: 767px) 600px, calc(100vw - 35px)\" \/><\/figure>\n\n\n\n<p><em>The information provided on this website does not, and is not intended to, act as legal, financial or credit advice. <\/em><a href=\"https:\/\/www.lexingtonlaw.com\/disclaimer\" target=\"_blank\" rel=\"noreferrer noopener\"><em>See Lexington Law\u2019s editorial disclosure for more information.<\/em><\/a><\/p>\n\n\n\n<p>Experian is one of the three major consumer credit reporting agencies. These agencies have spent decades collecting \u201ctraditional\u201d credit data and adding it to consumer reports to establish a person\u2019s credit profile and credit score. However, with more than <a aria-label=\"undefined (opens in a new tab)\" href=\"https:\/\/files.consumerfinance.gov\/f\/201505_cfpb_data-point-credit-invisibles.pdf\" target=\"_blank\" rel=\"noreferrer noopener\">11 percent of the U.S. adult population having little to no credit data<\/a>, the major credit bureaus have come up with new solutions. <\/p>\n\n\n\n<p>One of these exciting new solutions, for both lenders and borrowers, is Experian\u2019s Clarity Services.&nbsp;<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-what-is-experian-s-clarity-services\">What is Experian\u2019s Clarity Services?<\/h2>\n\n\n\n<p>Experian\u2019s Clarity Services uses alternative credit data to help consumers who have thin or nonexistent credit profiles improve their credit score. Clarity Services is the largest <a href=\"https:\/\/www.lexingtonlaw.com\/credit\/what-is-the-fair-credit-reporting-act\" target=\"_blank\" aria-label=\"undefined (opens in a new tab)\" rel=\"noreferrer noopener\">Fair Credit Reporting Act<\/a> (FCRA)-regulated credit bureau to focus on the \u201cthin credit\u201d segment.&nbsp;<\/p>\n\n\n\n<p>The use of nontraditional credit data in surveying the creditworthiness of a consumer is a relatively new concept, but it\u2019s one that all the credit bureaus are starting to show interest in. This allows the millions of people with thin credit to have other financial data that still speaks to their credit behavior fairly evaluated.&nbsp;<\/p>\n\n\n\n<p>Traditional credit data looks at factors such as debt, mortgages, auto leases, personal loans, credit cards, credit lines and more. Alternative credit data considers items such as rent payments, utility bills, cell phone bills and TV streaming services. If a person is responsible and pays their rent on time, it\u2019s a fair assumption that they\u2019ll pay their other bills on time as well.&nbsp;<\/p>\n\n\n\n<p>Clarity\u2019s exclusive consumer data understands the limitations of basic risk scores and looks to expand the view of credit behavior and financial circumstances of customers. This is especially beneficial to consumers in the low credit score ranges.&nbsp;<\/p>\n\n\n\n<p>Clarity Services pulls and evaluates data from:<\/p>\n\n\n\n<ul><li>Short-term installment lenders<\/li><li>Peer-to-peer lenders<\/li><li>Check-cashing services<\/li><li>Cell phone providers<\/li><li>Small-dollar credit lenders&nbsp;<\/li><li>Prepaid card issuers<\/li><li>Auto loan financiers<\/li><\/ul>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-who-is-it-for\">Who is it for?<\/h2>\n\n\n\n<p>For the right person, Experian\u2019s Clarity Services can boost their credit profile. Clarity states that its services focus on the \u201cunder-banked, near-prime and subprime consumer segment.\u201d Millions of Americans have thin or nonexistent credit files, but that doesn\u2019t mean they should be punished.&nbsp;<\/p>\n\n\n\n<p>Previously, lenders would have to deny these consumers financial products or offer them inferior borrowing terms and high interest rates. There were no systems in place for lenders to access nontraditional credit data to assess other factors that may speak to a consumer\u2019s risk.&nbsp;<\/p>\n\n\n\n<p>Now, lending institutions can use Clarity to access additional information about lenders, allowing them to make a more informed decision. Clarity also provides real-time data, so lenders get the most up-to-date picture of a consumer.&nbsp;<\/p>\n\n\n\n<p>By using this full range of data, lenders can:<\/p>\n\n\n\n<ul><li>Trust more consumers with thin files<\/li><li>Verify consumer identities<\/li><li>Get insight into consumer stability<\/li><li>Identify consumers who have no intent to repay<\/li><li>Flag possible fraud ring activity in real time&nbsp;<\/li><\/ul>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-where-does-clarity-get-its-data\">Where does Clarity get its data?<\/h2>\n\n\n\n<p>Clarity only takes data from authoritative sources. These sources are a variety of financial service providers, <a href=\"https:\/\/www.clarityservices.com\/about-us\/\" target=\"_blank\" aria-label=\"undefined (opens in a new tab)\" rel=\"noreferrer noopener\">including<\/a> online small-dollar (single pay) lenders, online installment lenders, storefront installment lenders, storefront small-dollar (single pay) lenders, auto title and rent-to-own lenders and more.&nbsp;<\/p>\n\n\n\n<p>Landlords and the other sources mentioned above can all provide consumer data in real time.&nbsp;<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-can-users-see-their-scores\">Can users see their scores?<\/h2>\n\n\n\n<p>Consumers can request their <strong>Clarity score<\/strong> for free by <a href=\"https:\/\/www.clarityservices.com\/how-to-request-your-credit-score\/\" target=\"_blank\" aria-label=\"undefined (opens in a new tab)\" rel=\"noreferrer noopener\">calling Clarity\u2019s phone number or mailing in a form.&nbsp;<\/a><\/p>\n\n\n\n<p>It\u2019s important to understand that a Clarity score is not your FICO score, which is used or created by the three traditional credit bureaus (Experian, TransUnion and Equifax). The Clarity score is meant to identify a consumer\u2019s risk and can be accessed by the individual themselves or lenders.&nbsp;<\/p>\n\n\n\n<p>You can also access your <strong>Clarity report<\/strong> for free by <a href=\"https:\/\/www.clarityservices.com\/support\/file-disclosure\/\" target=\"_blank\" aria-label=\"undefined (opens in a new tab)\" rel=\"noreferrer noopener\">calling their phone number or filling out and mailing in a form.&nbsp;<\/a><\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-other-benefits-of-clarity-services\">Other benefits of Clarity Services<\/h2>\n\n\n\n<p>Experian\u2019s Clarity Services also offers other types of services. You can sign up for <a href=\"https:\/\/www.clarityservices.com\/support\/fraud-alert\/\" target=\"_blank\" aria-label=\"undefined (opens in a new tab)\" rel=\"noreferrer noopener\">fraud alerts,<\/a> which will notify potential grantors to check your identity before extending credit. You can choose fraud alert protection for one year or seven years.&nbsp;<\/p>\n\n\n\n<p>Additionally, consumers can sign up for <a href=\"https:\/\/www.lexingtonlaw.com\/credit\/how-to-freeze-your-credit\" target=\"_blank\" aria-label=\"undefined (opens in a new tab)\" rel=\"noreferrer noopener\">credit freezes<\/a>. This can be beneficial if you believe someone is trying to steal your identity and open accounts under your name.&nbsp;<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-how-do-users-enroll\">How do users enroll?<\/h2>\n\n\n\n<p>Everyone is automatically enrolled and data is automatically collected. Lenders can use this information to send you unsolicited offers of credit or insurance. However, consumers can <a href=\"https:\/\/www.clarityservices.com\/support\/opt-out-2\/\" target=\"_blank\" aria-label=\"undefined (opens in a new tab)\" rel=\"noreferrer noopener\">choose to opt out of prescreened offers<\/a> related to this information if they wish. You can choose to do so for a five-year period or permanently.&nbsp;<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-clarity-services-and-you\">Clarity Services and you<\/h2>\n\n\n\n<p>Before you consider whether Clarity Services is useful for you, <a href=\"https:\/\/www.lexingtonlaw.com\/blog\/finance\/how-to-read-a-credit-report.html\" target=\"_blank\" aria-label=\"undefined (opens in a new tab)\" rel=\"noreferrer noopener\">check your credit report.<\/a> This will help you know whether you have a thin file and can benefit from alternative credit data.&nbsp;<\/p>\n\n\n\n<p>If you\u2019re a subprime borrower, the next step is to check your Clarity Services credit report and credit score. This way, you\u2019ll be able to see what potential lenders see when they use Clarity Services to check your application.&nbsp;<\/p>\n\n\n\n<p>As you take actions to improve your score, check back on your Clarity Services information to see if your efforts are seeing results.&nbsp;<\/p>\n\n\n\n<p>Keep in mind that many lenders don\u2019t use Clarity Services, so that\u2019s a limitation. If your credit is thin and you\u2019re relying on Clarity Services information, you\u2019ll likely need to go out of your way to find a lender that uses Clarity Services.&nbsp;<\/p>\n\n\n\n<p>If you need to, don\u2019t forget that Clarity Services can help protect your account. You can place a security freeze or fraud alert anytime you need it.&nbsp; No matter what, try to practice good credit usage. <\/p>\n\n\n\n<p>You want to work on <a aria-label=\"undefined (opens in a new tab)\" href=\"https:\/\/www.lexingtonlaw.com\/credit\/how-to-build-credit\" target=\"_blank\" rel=\"noreferrer noopener\">building your credit<\/a> so you can eventually get to a place where your traditional FICO score is strong enough on its own to speak to your creditworthiness. You can improve your score by making payments on time, lowering your debt and maintaining a balanced credit utilization ratio.&nbsp;<\/p>\n\n\n\n<p><a href=\"https:\/\/lexingtonlaw.com\/disclaimer\"><strong><em>Note:<\/em><\/strong><\/a><em> Articles have only been reviewed by the indicated attorney, not written by them. The information provided on this website does not, and is not intended to, act as legal, financial or credit advice; instead, it is for general informational purposes only. Use of, and access to, this website or any of the links or resources contained within the site do not create an attorney-client or fiduciary relationship between the reader, user, or browser and website owner, authors, reviewers, contributors, contributing firms, or their respective agents or employers.<\/em><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Learn everything you need to know about Experian\u2019s Clarity Services, including who it can help and how it can help you boost your credit profile. <\/p>\n","protected":false},"author":63,"featured_media":14720,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[9],"tags":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v18.1 (Yoast SEO v18.3) - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Understanding Clarity Services by Experian - Lexington Law<\/title>\n<meta name=\"description\" content=\"Learn everything you need to know about Experian\u2019s Clarity Services, including who it can help and how it can help you boost your credit profile.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.lexingtonlaw.com\/blog\/credit-101\/understanding-clarity-services-by-experian.html\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Understanding Clarity Services by Experian\" \/>\n<meta property=\"og:description\" content=\"Learn everything you need to know about Experian\u2019s Clarity Services, including who it can help and how it can help you boost your credit profile.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.lexingtonlaw.com\/blog\/credit-101\/understanding-clarity-services-by-experian.html\" \/>\n<meta property=\"og:site_name\" content=\"Lexington Law\" \/>\n<meta property=\"article:published_time\" content=\"2021-04-29T23:03:54+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2024-05-03T17:45:50+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/www.lexingtonlaw.com\/blog\/wp-content\/uploads\/2021\/01\/AdobeStock_315390361_thumbnail-1.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"1500\" \/>\n\t<meta property=\"og:image:height\" content=\"500\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"Lexington Law\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"6 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"WebSite\",\"@id\":\"https:\/\/www.lexingtonlaw.com\/blog\/#website\",\"url\":\"https:\/\/www.lexingtonlaw.com\/blog\/\",\"name\":\"Lexington Law\",\"description\":\"\",\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\/\/www.lexingtonlaw.com\/blog\/?s={search_term_string}\"},\"query-input\":\"required name=search_term_string\"}],\"inLanguage\":\"en-US\"},{\"@type\":\"ImageObject\",\"@id\":\"https:\/\/www.lexingtonlaw.com\/blog\/credit-101\/understanding-clarity-services-by-experian.html#primaryimage\",\"inLanguage\":\"en-US\",\"url\":\"https:\/\/www.lexingtonlaw.com\/blog\/wp-content\/uploads\/2021\/01\/AdobeStock_315390361_thumbnail-1.jpg\",\"contentUrl\":\"https:\/\/www.lexingtonlaw.com\/blog\/wp-content\/uploads\/2021\/01\/AdobeStock_315390361_thumbnail-1.jpg\",\"width\":1500,\"height\":500,\"caption\":\"Cheerful african couple shopping online or networking on cellphone, sitting on sofa at new apartment, panorama with free space\"},{\"@type\":\"WebPage\",\"@id\":\"https:\/\/www.lexingtonlaw.com\/blog\/credit-101\/understanding-clarity-services-by-experian.html#webpage\",\"url\":\"https:\/\/www.lexingtonlaw.com\/blog\/credit-101\/understanding-clarity-services-by-experian.html\",\"name\":\"Understanding Clarity Services by Experian - 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