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  "documentTitle": "RELX | Investor Day Presentation Deck | 56 slides",
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  "presentationDate": "2021-05-01 00:00:00",
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      "kind": "callout",
      "text": "Many of these consumers are creditworthy, they just lack the credit history to demonstrate it",
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      "text": "Credit invisibles by race/ethnicity",
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      "text": "Transaction demand change",
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      "text": "Credit data is used to generate a credit score... The term credit invisibles applies to consumers with limited credit records... They fall into one of two categories... Low-income and Black and Hispanic consumers are disproportionately impacted...",
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      "text": "Source: (1) CFPB Data Point: Credit Invisibles (2015) (2) LexisNexis Risk Solutions Information Hub. Transactional demand defined as demand for financial products as measured by new applications (percentage change calculated against January 2020 baseline)",
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