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Social media is a key driver of traffic to retail Webs...

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 segm...

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

Read More Using a more inclusive scoring model to reach new segments
Consumers spend more than $1 billion annually on real ...

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...

Read More Consumers spend more than $1 billion annually on real Christmas trees
Consumers take advantage of lower auto interest rates ...

According to Experian’s latest State of the Automotive Finance Market report, interest rates for new auto loans dropped to 4.27 percent — the lowest rate on record. In addition to increasing new vehicle sales, the historically low interest rates helped consumers finance a larger balance, with the average new...

Read More Consumers take advantage of lower auto interest rates to take out larger loans
Generation X slowest to pay bills on time...

Experian’s latest annual State of Credit analysis provides insight into the differences in credit habits by generation. While the youngest group, Millennials, appear to be novice credit managers, Generation Xers have the highest amount of average debt, are slowest to make payments on time and tied with Millennials for...

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With bad data creating a clatter, marketers must resol...

Data quality should be a priority for retailers at any time of the year, but even more so as the holiday season approaches. According to recent research from Experian, organizations feel that, on average, 25 percent of their data is inaccurate and 12 percent of departmental budgets are wasted...

Read More With bad data creating a clatter, marketers must resolve the matter
Small-business credit quality continues to improve...

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...

Read More Small-business credit quality continues to improve
Bankcard delinquencies decrease year over year...

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...

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Delinquency rates remain low in Q2 2013...

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...

Read More Delinquency rates remain low in Q2 2013