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According to a recent Ponemon Institute study, 44 percent of consumers who were notified about a data breach believed the breached company was hiding...
Gone are the days when validating scoring models was a thing you did when you got around to it. Besides that fact that the...
When validating a model in the presence of overlay criteria, it is important to remember that any metrics computed at the aggregate portfolio level...
By: Joel Pruis The commercial lending – traditional C&I, CRE and other – segment is one of the last areas to be “automated” or...
As of Q2 2012, subprime borrowers are carrying the largest retail card balances, with an average card balance per account of $620 and $700...
While technology undoubtedly has made accessing medical information much easier and faster, it also has also provided an increased potential formedical data breachesespecially as...
It comes as no surprise to anyone that cell phone usage continues to rise, while at the same time the usage of wire lines,...
Returns on investment from superior customer-centric strategies easily can exceed 20 percent in the first year of implementation. However, this number is compounded exponentially...
During Q2 of 2012, home equity line of credit (HELOC) delinquency rates were the lowest in recent years. The delinquency rate fell below 1...
Not surprisingly, bankcard utilization is the highest among subprime consumers with VantageScore D and F tiers having average bankcard utilization rates of 68% and...
Contributed by: David Daukus As the economy recovers from the recession, consumers are becoming more responsible with their credit card usage; credit card debts...
I'm here in Vegas at the Mobile2020 conference and I am fascinated by my room key. This is not the usual “insert in to...
Part 2: Common myths about credit risk scores and how to educate consumers In light of what I've heard in the marketplace through the...
By: Kyle Aiman Let’s face it, debt collectors often get a bad rap. Sure, some of it is deserved, but the majority of the...
The August 2012 edition of the S&P/Experian Consumer Credit Default Indices showed that bankcard, first-mortgage and second-mortgage default rates hit new post recession lows....