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Our guest blogger this week is Karen Barney of the Identity Theft Resource Center (ITRC). Therise of online functionality and connectivity has in turn...
The dramatic transformation of the financial services industry requires new advances and innovation in credit strategies to respond to the growing number of underbanked...
Previously, we looked at the various ways a dual score strategy could help you focus in on an appropriate lending population. Find your mail-to...
Mortgage origination volumes increased to $427 billion in Q4 2011 – a 31 percent quarterly gain. However, overall 2011 originations of $1.35 trillion were...
Year over year retail spend continues to trend up, translating into Bankcard balance growth and new originations. New Bankcard volumes (limits) came in at...
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...
Up to this point, I’ve been writing about loan originations and the prospects and challenges facing bankcard, auto and real estate lending this year. ...