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The average bankcard balance per consumer in Q2 2013 was $3,831, a 1.3 percent decline from the previous year. Consumers in the VantageScore® near...
The June release of the S&P/Experian Consumer Credit Default Indices showed default rates continued to fall across all categories. The national composite* and the...
Using data from IntelliViewSM, Credit.com recently compiled a list of states with the highest average bankcard utilization rates. Alaska took first place, with an...
By: Maria Moynihan Government organizations that handle debt collection have similar business challenges regardless of agency focus and mission. Let’s face it, debtors can...
I don’t know about your neighborhood this past Fourth of July, but mine contained an interesting mix of different types of fireworks. From our...
A recent survey of government benefit agencies shows an increased need for fraud detection technology to prevent eligibility fraud. Only 26 percent of respondents...
The desire to return to portfolio growth is a clear trend in mature credit markets, such as the US and Canada. Historically, credit unions...
There are two core fundamentals of evaluating loan loss performance to consider when generating organic portfolio growth through the setting of customer lending limits....
Small-business credit conditions improved in Q1 2013, reversing much of the deterioration seen during Q4 2012. The Q1 rise was fueled primarily by falling...
A recent Experian credit trends analysis of new mortgages and bankcards from Q1 2013 shows a 16 percent year-over-year increase in mortgage origination volume...
Despite the improving real-estate market, financial institutions are concerned about lending to consumers who have pursued strategic defaults. In a recent VantageScore Solutions survey,...
By: Joel Pruis So we know we need to determine the overall net yield on assets required to cover the cost of funds and...
By: Joel Pruis I am going to take some liberties here. Nowhere in the movie Moneyball does Peter Brand tell us how he got...
Contact information such as phone numbers and addresses are fundamental to being able to reach a debtor, but knowing when to reach out to...
By: Joel Pruis What is it we as bankers are trying to accomplish? If you have been in the industry for 20+ years, this...