For years, there has been a fairly profitable industry in credit reporting. In this age of Big Data, the trafficking of personal information feeds the marketing machine that drives the spending of the all important greenback in our global economy. But how can the average consumer protect, maintain and even enhance his or her credit? The fundamental thing to understand from a lender’s point of view though is whether a loan will be paid back – this is known as default or credit risk. Typically speaking, lenders are interested in two things: principal repayment and cash flow while the loan is outstanding. So, having a good system to evaluate the likelihood of a borrower’s ability to repay is crucial to: whether the loan should be made at all, and what interest rate should be charged. So let’s see if we can uncover some ways to understand and even take advantage of that system to benefit you!