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Social media is a key driver of traffic to retail Websites

Posted on Jan 12 2014 by

According to Experian Marketing Services’ holiday peak week analysis, social media proved to be a key research tool for holiday shoppers and a crucial driver of traffic to retail Websites.

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Using a more inclusive scoring model to reach new segments

Posted on Jan 07 2014 by

With most lenders focused on growth as the top priority for the new year, having the ability to score more consumers is key.

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Consumers spend more than $1 billion annually on real Christmas trees

Posted on Dec 23 2013 by

According to the National Christmas Tree Association, approximately 25 to 30 million real Christmas trees are sold annually in the United States versus 8 to 11 million artificial trees.

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Small-business credit quality continues to improve

Posted on Nov 17 2013 by

The credit appetite for small businesses is strong and growing. Total outstanding balances have risen at their fastest rate in two years, and delinquency rates have fallen at a consistent pace. Only 10 percent of outstanding small-business credit balances were past-due in Q3 — the lowest level of delinquency seen since the recovery began. While […]

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Bankcard delinquencies decrease year over year

Posted on Nov 09 2013 by

Credit trends from the most recent Experian–Oliver Wyman Market Intelligence Report point to a steady economic recovery. Bankcard charge-offs decreased 13 percent year over year (4.5 percent versus 3.9 percent) and delinquent dollars for the 90–180 day past due delinquencies decreased 17.5 percent for the same timeframe (1.6 percent to 1.3 percent). These trends are […]

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Delinquency rates remain low in Q2 2013

Posted on Nov 02 2013 by

Credit unions were the only type of lender to have their 30 day plus delinquency rate fall below 2 percent for several key product categories. The table below provides the delinquency rate by lender and product. 30 day plus delinquency rate Q2 2013   Auto* Mortgage Bankcard Credit unions 1.52% 1.36% 1.99% Banks 2.01% 4.91% […]

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Study shows consumer credit education can change credit behavior

Posted on Oct 27 2013 by

Personalized credit education can have a measurable impact on a person’s credit score. Consumers who used a personalized consumer credit-education service that offers one-on-one guidance and score simulation improved their average VantageScore® credit score by 21 points (684 to 705) and decreased their credit utilization by 15 percent. Download our recent Webinar: It’s a new […]

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More companies managing cyber security as a business risk

Posted on Oct 26 2013 by

The growing cost and number of data breaches has spurred more interest in cyber insurance. While companies often increase investments in technology and training programs to reduce the likelihood of a breach, a recent Ponemon Institute survey of risk-management professionals found that 31 percent of companies surveyed have cyber insurance and 39 percent plan to […]

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Increase in mortgage originations attributed primarily to home purchases

Posted on Oct 25 2013 by

The latest quarterly credit trends analysis by Experian shows that mortgage originations increased by 10 percent over one year ago. More importantly, the data shows a 29 percent increase in home purchases from the prior quarter and a decrease in refinance activity. Additionally, home-equity lines of credit (HELOCs) increased significantly (30 percent over last year), […]

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Bankcard originations continue steady growth while delinquencies decline

Posted on Oct 06 2013 by

According to a recent Experian analysis of Q2 2013 bankcard trends, bankcard origination volumes increased 21% year-over-year equating to a $12 billion increase in new bankcard limits. The increase was largely driven by the prime and near-prime segments which made up the majority of the $12 billion increase. Download our recent Webinar: It’s a new […]

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