The Power of Alternative Data

Traditional credit data gives you a fraction of the picture. That’s why so many teams get blindsided by bankruptcies, fraud, and bad debt—even when the score looked fine.

At Credit Pulse, we built a smarter way forward: combining robust traditional + alternative data, AI-driven models, and predictive insights that actually help you stay ahead of risk.
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Traditional Data Alone Isn’t Enough

Most companies and bureaus stick to the basics—trade lines, registrations, and public financials. It's familiar, but it’s incomplete.

These sources miss the signals that matter most today: hiring shifts, executive exits, legal exposure, media coverage, and private revenue indicators. Without these, you're making decisions with half the story.

At Credit Pulse, we've researched the most predictive signals of company health and built them into our reports and AI models. By combining alternative data with traditional credit inputs, we deliver a true 360° view of any business—from a 10-person shop to a Fortune 100 enterprise.
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The Research: Why Alternative Data Matters

Traditional credit data tells you where a company’s been. Alternative data shows you where it’s going.

Executive exits, layoffs, hiring freezes, legal filings—these signals often surface risk (or opportunity) before it hits financials or trade lines. For private companies, it may be the only window you have. Let's dive into each concept one-by-one.

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👨 👩 People Analytics

Who’s joining, who’s leaving, and what it means for credit risk. Executive exits, layoffs, and hiring freezes aren’t just HR updates—they’re leading indicators of financial stress or strategic shifts. Headcount trends often signal cash pressure or growth trajectories before they show up in financials or payment behavior.

Credit Pulse monitors:

• C-suite appointments and resignations
• Spikes or drops in hires
• WARN notices to indicate upcoming layoffs

Thinning teams raise red flags. Growing teams flash green lights.

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💰 Public & Private Financials

What if you could see revenue trends without waiting for statements? Most small businesses don’t share financials. Or by the time it hits your inbox, it's already stale. We gather these insights for you, partnering with the top 20 banks in the US to monitor B2C credit card payments between your customers and theirs.

For private companies, this means:

• Insights into their annual revenue
• Trends related to their credit card transactions
• Insights into how they are accepting payments from customers

We complete the financial picture without requiring documents.

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👨 👩 Principals

Know who’s behind the business—because people drive creditworthiness too. Credit teams aren’t just underwriting a company. They’re assessing the people who run it. Executive history, tenure, and availability give critical context into leadership stability, reliability, and decision-making.

Credit Pulse tracks:

• Executive names, roles, and tenure
• Verified contact information
• Current vs. past employment
• Linked social profiles for fast background checks

You don’t need a consumer credit pull—you need the full picture on who’s running the show.

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🌐 Social & Web Presence

Are they active, visible, and growing—or fading out? A company’s online footprint can signal credibility or concern. A sudden drop in web traffic, dead LinkedIn pages, or disappearing job listings? Those are signals of a business retreating.

Credit Pulse scans for:

• Website activity and performance
• Social signals from LinkedIn, Facebook, and more
• Brand consistency and presence

No web activity? That’s a red flag in 2025.

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📰 News & Media

One bad headline can change your exposure overnight. A lawsuit, data breach, or financial scandal can tank a company’s health before the score moves. We track these stories in real time and adjust your risk view the moment they hit.

Credit Pulse tracks:

• Adverse media: fraud, lawsuits, regulatory action
• Positive press: funding, awards, expansion
• Sentiment trends by sector or geography

News is data. Good or bad, the story tells us something.

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The Results: 7x More Accurate Predictions

We don’t just predict better. We predict 7x more bankruptcies than leading bureaus, including those from small and private companies others miss.

That’s not fluff. Our customers hit ROI by avoiding just one missed bankruptcy.

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