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Posted: Sunday, January 22, 2017 12:00 am West Creek Financial uses big data to approve financing for consumers to buy appliances, furniture and mattresses By John Reid Blackwell Richmond Times-Dispatch roanoke.com GLEN ALLEN At its office in the Innsbrook Corporate Center in Henrico County, West Creek Financial is using cutting-edge tools of computing and old fashioned customer service to build a national business. The company, founded in 2014, provides point-of-sale, lease-to-own financing for consumers to buy home appliances, furniture and mattresses. It has signed up hundreds of retailers about half small, independent stores, and half larger chains across the country to offer the financing for customers. West Creek itself has hired 26 people so far and expects to have 70 employees on board by the end of 2017. We have pretty aggressive growth plans, and we are right on track for that now, said Boomer Muth, the companys co-founder and CEO. West Creeks secret sauce as Muth puts it is a proprietary computer program that enables it to analyze large sets of financial data and approve more customers for lease-to-own deals, in a way that is more transparent for the buyer than the typical kinds of deals offered in the lease-to-own marketplace. We are taking data science skills and applying them to an industry that does not have a history of using data science, Muth said. Our key is getting as much information as we can to make the most intelligent decisions, utilizing machine learning and big data. While the company does not reveal details about its computer algorithm, Muth said its decision-making methodology enables it to get approval rates exceeding 70 percent for lease-to-own deals that typically average about $1,000 in value. West Creek looks at larger data pools than simple FICO credit scores, and Muth said the company looks for reasons to say yes, where our competitors look for reasons to say no. Yet even with higher approval rates, the company is able to use its data systems to keep its risk profile in line, he said. Since booking its first retail customer in November 2014, West Creek Financial has sold its services to 550 retail stores in 32 states. Mattress Warehouse, the Maryland-based chain that has more than 200 locations in 13 states, is one of its largest customers, Muth said.
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REUTERS/Ismail Zitouny/File Photo By Michael Holden | LONDON LONDON A former Libyan Islamist commander, who says he suffered years of torture by Muammar Gaddafi's henchmen after British and U.S. spies handed him over to Libya, was given permission on Tuesday to sue the British government and its former foreign secretary. Abdel Hakim Belhadj, a rebel leader who helped topple Gaddafi in 2011 and is now a politician, says he and his pregnant wife Fatima were abducted by U.S. CIA agents in Thailand in 2004 and then illegally transferred to Tripoli with the help of British spies. Britain's Supreme Court on Tuesday dismissed an appeal by the government to stop him taking legal action, paving the way for Belhadj and his wife to seek damages against former Foreign Secretary Jack Straw, the domestic and foreign spy agencies MI5 and MI6, a senior former intelligence chief and relevant government departments. However, Belhadj has said he would drop the case if he was given a token payment of 1 pound ($1.21) and an apology from all the parties involved. "We hope that the defendants in this actionnow see fit to apologize to our clients and acknowledge the wrongs done, sothat they may turn the page on this wretched chapter of ชุด เครื่อง นอน ขายส่ง ผ้าปูที่นอน 5 ฟุต index ราคาถูก their lives and moveon," said lawyer Sapna Malik from Leigh Day, the London law firm representing Belhadj. Belhadj says he was originally detained in China, before being transferred to Malaysia and then moved to a CIA "black site" in Thailand. He was handed over to CIA agents, acting on a tip-off from MI6, and flown via the British island of Diego Garcia in the Indian Ocean to Tripoli, because at the time Britain and the United States were keen to build relations with Gaddafi. As a long-standing enemy of the former Libyan leader, he was imprisoned and tortured until his release in 2010 while his wife was also mistreated during her four-month incarceration.