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Whenever Liz Pagel and Matt Komos started analyzing a multitude of alternate credit data collected by FactorTrust, an alternate credit bureau TransUnion acquired a year ago, they desired to know the behavior of customers whom utilize payday advances, pawnshop loans, automobile name loans, rent-to-own arrangements and “buy here, spend right here” credit. “We actually desired to see whom may be a much better credit danger than one might think,” said Pagel, vice president in TransUnion’s…