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Identity theft strikes anywhere, even on vacation

Posted on Jul 02 2015 by

A recent Experian survey found that while consumers are getting better about protecting their information on a regular basis, many do not take the same precautions when traveling. According to the survey, 1 in 5 consumers has had an item with sensitive information lost or stolen while traveling, and 39% have experienced identity theft while […]

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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%.

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Home buying with swagger

Posted on Jun 11 2015 by

As the summer home buying season kicks into high gear, a newly released survey shows the importance of understanding credit scores and their impact on homebuyer behavior.

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25% year over year increase in mortgage originations

Posted on May 08 2015 by

Mortgage originations kicked off Q1 2015 with a 25% year over year increase to $315 billion.

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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.

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Authentication through device intelligence

Posted on Apr 23 2015 by

With more than one-third of customers interacting with a single business in five or more channels and more than 85 percent of consumers using online or mobile to conduct business, omnichannel fraud prevention has become a necessity. Implementing a layered approach to authentication and integrating device intelligence into the process to associate a consumer with […]

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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.

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Gift cards continue to increase in popularity

Posted on Apr 16 2015 by

Gift cards are the most requested gift item and have been for the last eight years. Merchants love gift cards because they take up very little space and the recipient often ends up spending more than the value of the gift card.

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Balance transfers: a profitable opportunity

Posted on Oct 17 2014 by

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

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The diversity of technology complicates customer authentication

Posted on Oct 09 2014 by

According to a recent 41st Parameter® study, 85 percent of consumers use online or mobile channels to conduct business.

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