Credit card issuers can gain access to 15 million prospects among the estimated 53 million U.S. consumers who have no credit file or one that lacks sufficient information to apply automated scoring criteria, if they use FICO Score XD. FICO developed Score XD in partnership with LexisNexis Risk Solutions and Equifax. Those companies provide positive data on consumer payments for rent, cable TV, mobile and landline telecom accounts, utility bills, and more, gathered from public records. These alternative data sources are not found in traditional consumer files at the big three credit bureaus —...