Digitally savvy generation may not be so credit savvy

Posted on Aug 10 2015 by

According to a recent Experian analysis, millennials (ages 19–34) are now the largest segment of the U.S. population and are also the least credit savvy group.


Survey reveals travel spending behavior

Posted on Jul 10 2015 by

According to a recent Experian survey, 68% of vacationers spend more money than expected when traveling, often relying on credit cards to make up the difference. Millennials rank even higher when it comes to risky vacation spending. One-third report they have not been saving up in advance of vacation, 72% say they spend more than […]


Delinquencies move in the right direction as balances increase

Posted on Jun 18 2015 by

According to a recent Experian analysis, bankcard balances increased 6% year over year to $629 billion in Q1 2015, while delinquencies remained low with 60–89 day-past-due delinquencies declining 8%.


Developing a data migration plan

Posted on May 22 2015 by

Data migrations are very common in today’s business environment. A recent Experian Data Quality study found that while 91% of businesses engage in data migrations, 85% encounter significant challenges.


Using data to understand customer preferences

Posted on Apr 27 2015 by

In today’s data driven world, decisioning strategies can no longer be one-dimensional and only risk-focused. By employing a multidimensional decisioning approach, companies can deliver the products and services customers need and want.


A centralized approach to data quality

Posted on Apr 22 2015 by

Data quality continues to be a challenge for many organizations.


Bankcard utilization increases dramatically for lower tiers

Posted on Apr 21 2015 by

While the average bankcard utilization rate hovered around 20% during the last quarter of 2014, utilization rates can vary greatly when analyzed by VantageScore® credit tier.


Minnesota dominates top 10 list

Posted on Dec 19 2014 by

Experian’s most recent State of Credit report analyzed the average credit scores for more than 100 metropolitan statistical areas (MSAs).


Balance transfers: a profitable opportunity

Posted on Oct 17 2014 by

Card-to-card balance transfers represent a substantial profit opportunity for lenders.


The power of data quality

Posted on Sep 08 2014 by

Data quality continues to be a challenge for many organizations as they look to improve efficiency and customer interaction.