The best jump racing festival in the world is only two months away. It isn’t much longer for fans to wait until they hear the irrepressible Cheltenham roar for the first time, and already punters are weighing up where their money will be spent for the four-day bonanza.
The best value for the festival can be found weeks or months before the first race even starts in the ante-post markets. But, which runners should punters be keeping a closer eye on as the festival grows closer?
Al Dancer (Racing Post Arkle)
There is a clear path opening up for Al Dancer and the Arkle, and punters can get incredible value as he is currently over-priced for success in the race. The seven-year-old is still untested over the longer distance, but there is a sense that he does have the stamina similar to a contender in the Twinspires.com Kentucky Derby odds.
The Sam Twiston-Davis ridden horse was dominant over the two miles last season, but now it looks like he would be better accustomed to a longer trip.
He will likely be tested over that longer distance before the festival, but there is no doubt that it will transition effectively. He has already won effectively this season at Cheltenham, as he won by four lengths from Not That Fuisse. He will certainly be one to keep an eye on.
Riders Onthe Storm (Ryanair Chase)
Last year’s Ryanair Chase was a race that would live long in the memory, as Bryony Frost became the first woman to win a Grade 1 race at the festival. She will back on board Frodon this year too, but there is good value elsewhere in the market in the form of Riders Onthe Storm.
The seven-year-old is a horse on the comeback trail and has impressed throughout this season so far. It would seem that the change in jockey to Twiston-Davis has done wonders thus far.
He endured a difficult end to the previous season as it fell in the Close Brothers Novices’ Chase at the Cheltenham Festival, and was pulled up on its next run. However, since having a 202-day break from the track, it has been in excellent form.
He beat Cepage by a length and a quarter at Aintree on his reappearance, before storming to a massive success against On The Blind Side at Ascot in December. That seven-length win highlights his capabilities as a horse with Grade 1 potential, and the Ryanair may be where he is best placed for the 2020 festival.
Native River (Gold Cup)
Native River is consistently a popular pick among punters for the Gold Cup, but this year could be the year where the conditions finally favour him. He has run in this event for the past three years. He won the Gold Cup back in 2018, as he held off stiff competition from Might Bite, before losing his crown to Al Boum Photo last year.
There is no doubting its capabilities in this race, and the chances of him winning will hinge on the weather on the day. He will be seen as one of the outsiders for this year’s race, with Kemboy and Lostintranslation both seen as more realistic challengers to Al Boum Photo.
However, judging from his one and only showing so far this season, he is showing glimpses of his very best form again. On that run, he saw off Black Corton at Aintree to win by an astonishing 33 lengths. If it can sustain that form, then there is no reason why he couldn’t become a two-time Gold Cup winner.
How Conventional Scores Are Stopping Most Millennials From Accessing Credit and How One Company Is Changing That
Credit scores are a barrier to entry for just about everything for millennials. Trust Science® is taking new metrics into account to expand access to credit with Credit Bureau 2.0®
What’s Keeping Millennials From Accessing Credit?
The concept behind a credit score seems simple enough. It tracks your credit history to see if you’re someone that a bank or lender can trust to pay back a loan. However, conventional credit scores just don’t account for the way that millennials and Gen Z handle their finances.
Even where a person would be fully capable and reliable in paying back a loan, the lack of an established credit score can prevent them from accessing credit, or at least from getting as much as they should be able to. That leaves millennials without an on-ramp into the modern economy and it can also jeopardize access to other “credit gated” necessities like housing.
The way that conventional credit scores are calculated is complex but boils down to 5 essential metrics:
- Payment history
- Amount owed
- Length of credit history
- Credit mix
- Hard credit inquiries
You can start to see the issue for millennials when you look at what data goes into their credit scores. For one thing, younger people don’t have a long credit history. Even without other factors, simply being young and only having had so much time to build credit puts them at a disadvantage. However, millennials have also been tending to establish credit later in life compared with previous generations, putting them at a further disadvantage.
The most significant issue here is the credit mix. Different types of credit affect credit scores differently, and millennials generally don’t have a favorable mix. While they might have a credit card or two, they generally don’t have mortgages. These are the most beneficial type of credit to have on your credit report, and millennials really have that going against them.
The student loan crisis also plays a big role. Young people today have much higher student loan debts than previous generations, meaning they have a great amount of credit owed. Not only that, but many can begin to fall behind on payments and see that amount grow. This can quickly send a credit score spiraling out of control.
Student loans aren’t the only threat. When young, some people make poor decisions. They could find themselves making credit mistakes very early on and suffering the fact that those mistakes can haunt their score for seven years in general. That means someone at 25 is still paying for a mistake made at the age of 18, even if they’ve been on the up and up ever since.
It’s clear that conventional credit scores weren’t designed with the current landscape in mind and that young people are being negatively affected. But what exactly can be done about this? One company is changing the way that lenders look at creditworthiness to make it possible for millennials to mitigate these issues.
How Credit Bureau 2.0 Fixes Those Problems
Trust Science is an innovative fintech company that has developed Credit Bureau 2.0, a scoring service that acts as an antidote for lenders, offsetting the problems posed by conventional credit scores. Instead of seeing a lack of credit history, a few negative issues from years ago, or a poor credit mix and ending any credit application, Credit Bureau 2.0 considers a wealth of additional data to generate a more accurate credit score.
Credit Bureau 2.0 expands the data used to calculate credit scores, getting the borrower’s consented, permissioned data and/or acquiring Alternative Data in order to reach a more accurate credit score. For example, those applying for credit can use Trust Science’s Smart Consent™ app to divulge their information safely and confidently to Trust Science, which is working on behalf of the lender that is trying to reach a decision about the borrower. By doing so, young people or other people without a credit history in-country can let prudent financial decisions in other areas of their lives demonstrate that they’re trustworthy for greater credit.
The service is available to a wide variety of lenders, including auto lenders, installment lenders, and single-repayment lenders. It’s in their best interest to find more reliable, deserving borrowers to give loans to, so Credit Bureau 2.0 benefits both sides of the transaction.
Trust Science CEO Evan Chrapko says that “Credit Bureau 2.0 isn’t just about giving borrowers access to more credit than they would have had otherwise. It’s about recontextualizing financial data to give both sides–lenders and borrowers–a more accurate and reliable way to enter into loans in the modern economy.”
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