Not surprisingly, bankcard utilization is the highest among subprime consumers with VantageScore D and F tiers having average bankcard utilization rates of 68% and...

Published: October 25, 2012 by admin

Contributed by: David Daukus As the economy recovers from the recession, consumers are becoming more responsible with their credit card usage; credit card debts...

Published: October 24, 2012 by Guest Contributor

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...

Published: October 21, 2012 by Cherian Abraham

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...

Published: October 15, 2012 by Paul Desaulniers

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...

Published: October 10, 2012 by Guest Contributor

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....

Published: October 7, 2012 by admin

By: Mike Horrocks It has been over a year that in Zuccotti Park the Occupy Wall Street crowd made their voices heard.  At the...

Published: October 4, 2012 by Guest Contributor

By: Maria Moynihan State and local governments responsible for growth may be missing out on an immediate and sizeable revenue opportunity if their data...

Published: October 3, 2012 by Guest Contributor

In Experian’s recent State of Credit study which analyzes credit scores in more than 100 cities, Minneapolis took the number one spot, with an...

Published: October 1, 2012 by admin

The average bankcard balance per consumer in Q2 2012 was $4,170, which is 4 percent higher when compared to the same quarter of the...

Published: September 23, 2012 by admin

By: Teri Tassara Negative liquidity, or owing more on your home than its value, has become a much too common theme in the past...

Published: September 20, 2012 by Guest Contributor

What does the mortgage interest rate, currently at an all time low of 3.55% (for 30 yr. fixed), mean for financial institutions? According to...

Published: September 18, 2012 by Guest Contributor

Loans to customers in the nonprime, subprime and deep-subprime credit risk tiers accounted for more than one in four new vehicle loans in Q2...

Published: September 16, 2012 by admin

By: Kyle Aiman For more than 20 years, creditors have been using scores in their lending operations.  They use risk models such as the...

Published: September 10, 2012 by Guest Contributor

Mortgage delinquencies continued to reach multi-year lows with the delinquency rate for those 60 plus days past due falling to 4.68 percent in Q2...

Published: September 9, 2012 by admin