Using unstructured data to tidy up credit reporting
介绍Equifax等信用报告机构如何通过纳入社交媒体等非结构化数据，提高个人信用档案的准确性，从而改善信贷市场效率。
The credit data housed in the credit reporting agencies (in the U.S. the big three are Equifax, Experian, and TransUnion) traditionally focuses on peoples' personal credit and payment history, down to details about how promptly they've repaid loans and when they were late on a payment. Companies that grant credit, ranging from mortgages to car loans to credit card limits, use the agency's information to decide what products to offer and on what terms. People with clean histories may get better terms; people with smudged financial backgrounds may not. But other inaccuracies and incomplete information leads to uncertainty and costs everyone. In an interview, Greg Jones, vice president of Enterprise Data & Analytics at Equifax, explains how the company is expanding its sourcing of data to include unique data assets and exploring social media and other unstructured data sources, and how this expansion has the potential to make individual profiles even more exact, improving the market for everyone.