By: Wendy Greenawalt When consulting with lenders, we are frequently asked what credit attributes are most predictive and valuable when developing models and scorecards....
By: Tracy Bremmer Preheat the oven to 350 degrees. Grease the bottom of your pan. Mix all of your ingredients until combined. Pour mixture...
By: Kari Michel In my last blog I gave an overview of monitoring reports for new account acquisition decisions listing three main categories that...
By: Wendy Greenawalt On any given day, US credit bureaus contain consumer trade data on approximately four billion trades. Interpreting data and defining how...
Vintage analysis 101 The title of this edition, ‘The risk within the risk’ is a testament to the amount of information that can be...
— by Jeff Bernstein So, here I am with my first contribution to Experian Decision Analytics’ collections blog, and what I am discussing has...
By: Tom Hannagan Some articles that I’ve come across recently have puzzled me. In those articles, authors use the terms “monetary base” and “money...
In recent months, the topics of stress-testing and loss forecasting have been at the forefront of the international media and, more importantly, at the...
By: Kari Michel Are you using scores to make new applicant decisions? Scoring models need to be monitored regularly to ensure a sound and successful...
By: Tracy Bremmer It’s not really all about the credit score. Now don’t get me wrong, a credit score is a very important tool...
— By Kari Michel What is your credit risk score? Is it 300, 700, 900 or something in between? In order to understand what...
As I’ve suggested in previous postings, we’ve certainly expected more clarifying language from the Red Flags Rule drafting agencies. Well, here is some pretty...
We at Experian have been conducting a survey of visitors to our Red Flag guidelines microsite (www.experian.com/redflags). Some initial findings show that approximately 40 percent of...
As most industry folks are aware, the FTC recently pushed out their Red Flags Rule enforcement deadline to August 1, 2009. It is important...
One of the handful of mandatory elements in the Red Flag guidelines, which focus on FACTA Sections 114 and 315, is the implementation of...
