Recently we released a white paper that emphasizes the need for better, more granular indicators of local home-market conditions and borrower home equity, with...

Published: June 22, 2012 by Guest Contributor

Our guest blogger this week is Karen Barney of the Identity Theft Resource Center (ITRC). Therise of online functionality and connectivity has in turn...

Published: June 19, 2012 by Michael Bruemmer

The dramatic transformation of the financial services industry requires new advances and innovation in credit strategies to respond to the growing number of underbanked...

Published: June 14, 2012 by admin

Previously, we looked at the various ways a dual score strategy could help you focus in on an appropriate lending population. Find your mail-to...

Published: June 12, 2012 by Veronica Herrera

Mortgage origination volumes increased to $427 billion in Q4 2011 – a 31 percent quarterly gain. However, overall 2011 originations of $1.35 trillion were...

Published: June 7, 2012 by admin

Year over year retail spend continues to trend up, translating into Bankcard balance growth and new originations. New Bankcard volumes (limits) came in at...

Published: June 6, 2012 by admin

Outstanding automotive loan balances were at $708 billion in Q1 2012 – a figure last seen two years ago. Banks and captive auto lenders...

Published: May 30, 2012 by josephine.munis

The average turnaround time to make a lending decision varies materially between financial institutions. Institutions with low-level automation are typically less competitive on price...

Published: May 18, 2012 by josephine.munis

As part of its expanded guidance, the Office of the Comptroller of the Currency explicitly recommends that financial services firms utilizing predictive models and...

Published: May 15, 2012 by josephine.munis

A vintage analysis comparing 60 or more days past due (DPD) delinquency performance at the one-year mark for mortgages originated between 2002 and 2010...

Published: May 10, 2012 by josephine.munis

After increasing for the first time in nearly two years, the 30 and 60 days past due (DPD) mortgage delinquencies as a percentage of...

Published: April 26, 2012 by josephine.munis

One of the most successful best practices for improving agency performance is the use of scorecards for assessing and rank ordering performance of agencies...

Published: April 25, 2012 by Jeff Bernstein

A recent study compiled by VantageScore Solutions found that default risk associated with mortgage originations has improved. The likelihood that a borrower will become...

Published: April 23, 2012 by josephine.munis

The average bankcard balance per consumer rose to $4,359 in Q1 2012 – an 8 percent increase from the previous quarter. The increase resulted...

Published: April 19, 2012 by josephine.munis

A recent Experian study showed that strategic defaults accounted for 23 percent of all mortgage defaults 60 days past due or greater in Q4...

Published: April 16, 2012 by josephine.munis