About nonPRIME101



Our mission is to increase awareness and understanding of this consumer segment with data-backed research, and provide relevant communications that educate and clarify non-prime consumer behavior patterns.


Our goal is to educate and guide researchers, regulatory bodies, and industry leaders to dispel myths and assumptions about the non-prime consumer population.

About Us

Established in 2013, nonPrime101.com provides research studies and articles about non-prime consumer behavior. Non-prime consumers include thin-file, no-file, and prior prime consumers. They represent the fastest growing consumer segment in the country. nonPrime101.com provides unbiased and empirical studies that show credit usage behaviors, trends, and needs of these consumers. Rick Hackett, partner at Hudson Cook, LLP and former CFPB assistant director, is a Special Policy Consultant to nonPrime101. Heather Lamoureux, MA Economics-Econometrics, University of Ottawa, serves as a research data analyst.

About Clarity Services, Inc.

nonPrime101 is the research arm of Clarity Services, Inc. and is powered by Clarity data. Clarity Services is a real-time credit bureau with offices in Clearwater, FL and Austin, TX. Clarity has over 55 million unique consumer identities in its database. It provides powerful real-time fraud detection and credit risk management solutions.   Click here to learn more about Clarity Services.




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