All posts by Guest Contributor
By: Shannon Lois These are challenging times for large financial institutions. Still feeling the impact from the financial crisis of 2007, the banking industry...
The CFPB, the FTC and other regulatory authorities have been building up their presence in debt collections. Are you in the line of fire,...
By: Stacy Schulman Earlier this week the CFPB announced a final rule addressing its role in supervising certain credit reporting agencies, including Experian and others...
By: Mike Horrocks This week, several key financial institutions will be submitting their “living wills” to Washington as part of the Dodd-Frank legislation. I...
By: Joel Pruis From a score perspective we have established the high level standards/reporting that will be needed to stay on top of the...
Recently we released a white paper that emphasizes the need for better, more granular indicators of local home-market conditions and borrower home equity, with...
Outstanding automotive loan balances were at $708 billion in Q1 2012 – a figure last seen two years ago. Banks and captive auto lenders...
The average turnaround time to make a lending decision varies materially between financial institutions. Institutions with low-level automation are typically less competitive on price...
As part of its expanded guidance, the Office of the Comptroller of the Currency explicitly recommends that financial services firms utilizing predictive models and...
A vintage analysis comparing 60 or more days past due (DPD) delinquency performance at the one-year mark for mortgages originated between 2002 and 2010...
After increasing for the first time in nearly two years, the 30 and 60 days past due (DPD) mortgage delinquencies as a percentage of...
One of the most successful best practices for improving agency performance is the use of scorecards for assessing and rank ordering performance of agencies...
A recent study compiled by VantageScore® Solutions found that default risk associated with mortgage originations has improved. The likelihood that a borrower will become...
The average bankcard balance per consumer rose to $4,359 in Q1 2012 – an 8 percent increase from the previous quarter. The increase resulted...
A recent Experian study showed that strategic defaults accounted for 23 percent of all mortgage defaults 60 days past due or greater in Q4...