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Collections in today’s world: five steps for success...

Posted on Apr 09 2012 by
The economy is accelerating at a sluggish pace, and world headlines cause business leaders to swing between optimism and pessimism daily. Risk managers must look more closely and much more frequently at their customers' behavior...

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Average credit score drops for both new and used auto loans...

Posted on Apr 06 2012 by
The automotive loan market continued to improve, with lenders showing more willingness to lend outside of prime. In Q4 2011, average credit scores for new and used auto loans dropped when compared with Q4 2010. Additionally, the...

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Loan growth a top priority for small-business lenders...

Posted on Apr 04 2012 by
Despite low demand and a shrinking pool of qualified candidates, loan growth priorities continue to rank high for most small-business lenders – both for small to midsize banks and large financial institutions. Between 2006 and...

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Strong growth in bankcard originations for some credit tiers...

Posted on Apr 02 2012 by
The strongest growth in new bankcard accounts is occurring in the near-prime and subprime segments of VantageScore® C, D and F. Year-over-year (Q1 2011 over Q1 2010) growth rates of 20 percent, 46 percent and 53 percent were...

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Are you in compliance with the new consumer protection laws?...

Posted on Mar 30 2012 by
The Consumer Financial Protection Bureau (CFPB) now has the ability to write and enforce 18 consumer protection laws that guide financial products and services. The new regulator has signaled the following issues as...

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Are mortgage originations continuing their decline?...

Posted on Mar 28 2012 by
Even as interest rates remain at near-record lows, mortgage originations declined for the second quarter in a row in Q2 2011 to $268 billion, a 19 percent decline over the previous quarter. Refinance activity that spurred...

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What metrics are you using to measure score performance?...

Posted on Mar 26 2012 by
VantageScore®  polled risk professionals about how they are measuring score performance, and 60 percent of respondents said they are now using metrics beyond the Kolmogorov-Smirnov (KS) statistic value. One new metric is score...

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Automotive loan originations shift into high gear...

Posted on Mar 23 2012 by
Lenders continued to increase their appetite for risk in Q2 2011, with new vehicle loans for customers with credit outside of prime increasing by 22.4 percent compared with the previous year. In Q2 2011, 22.29 percent of all new...

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Use of real-time address verification increasing among top o...

Posted on Mar 21 2012 by
Experian® QAS®, a leading provider of address verification software and services, recently released a new benchmark report on the data quality practices of top online retailers. The report revealed that 72 percent of the top...

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