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In Q3 2011, $143 billion – or nearly 44 percent of the $327 billion in new mortgage originations – was generated by VantageScore® A...
In my last two posts on bankcard and auto originations, I provided evidence as to why lenders have reason to feel optimistic about their...
Lenders are increasing loans to credit-challenged customers. According to Experian’s quarterly automotive credit analysis, 21.87 percent of all new vehicle loans went to customers...
In 2010, lenders began to change their focus from maintaining to growing portfolios. Most strategies focused on marketing to the least risky tiers of...
While retail card utilization rates decreased slightly in Q3 2011, retail card delinquency rates increased for all performance bands (30-59, 60-89 and 90-180 days...
Experian’s recently released study on the credit card and mortgage payment behaviors* of consumers both nationally and in the top 30 Metropolitan Statistical Areas...
A study released in October 2011 for the S&P/Experian Consumer Credit Default Indices showed that first mortgage default rates rose to 2.08 percent in...
Organizations approach agency management from three perspectives: (1) the need to audit vendors to ensure that they are meeting contractual, financial and legal compliance...
Findings from the Q2 Experian Business Benchmark Report showed that the amount of delinquent debt has increased significantly for the largest and smallest businesses....
Customers see a data breach and the loss of their personal data as a threat to their security and finances, and with good reason....
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If you attended any of our past credit trends Webinars, you’ve heard me mention time and again how auto originations have been a standout...
Part II: Where are Models Most Needed Now in Mortgages? (Click here if you missed Part I of this post.) By: John Straka A...
By: Joel Pruis One might consider this topic redundant to the last submission around application requirements and that assessment would be partially true. As...
Part I: Types and Complexity of Models, and Unobservable or Omitted Variables or Relationships By: John Straka Since the financial crisis, it’s not unusual...