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	<title>Credit Cornerstone &#187; Oliver Wyman</title>
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		<title>Turkey production grows by 2 percent in 2012 compared with 2011</title>
		<link>http://www.experian.com/blogs/credit-cornerstone/2012/11/26/turkey-production-grows-by-2-percent-in-2012-compared-with-2011/</link>
		<comments>http://www.experian.com/blogs/credit-cornerstone/2012/11/26/turkey-production-grows-by-2-percent-in-2012-compared-with-2011/#comments</comments>
		<pubDate>Mon, 26 Nov 2012 10:00:32 +0000</pubDate>
		<dc:creator>daniel.almasy</dc:creator>
				<category><![CDATA[Auto]]></category>
		<category><![CDATA[Bankcard]]></category>
		<category><![CDATA[Fraud]]></category>
		<category><![CDATA[Mortgage]]></category>
		<category><![CDATA[Oliver Wyman]]></category>

		<guid isPermaLink="false">http://www.experian.com/blogs/credit-cornerstone/?p=448</guid>
		<description><![CDATA[Six states are the top producers of turkeys: Minnesota at 46 million, North Carolina at 36 million, Arkansas at 29 million, Missouri at 17.5 million, Virginia at 17 million and Indiana at 16.5 million. This accounts for nearly two-thirds of turkeys produced in the United States as of September 2012. The average wholesale price for [...]]]></description>
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<p>Six states are the top producers of turkeys: Minnesota at 46 million, North Carolina at 36 million, Arkansas at 29 million, Missouri at 17.5 million, Virginia at 17 million and Indiana at 16.5 million. This accounts for nearly two-thirds of turkeys produced in the United States as of September 2012.</p>
<p>The average wholesale price for frozen whole turkey during fourth-quarter 2012 is projected to range from $1.10 to $1.14 per pound &#8212; similar to the 2011 fourth-quarter average price of $1.11 per pound. The average retail price for whole frozen turkeys in September 2012 was $1.62, about 6 cents lower than the average retail price for whole frozen turkeys in September 2011. <a href="http://app.now.experian.com/e/er?s=476064971&amp;lid=117&amp;elq=80146a067f364074a1f563e894487fa4&amp;elqCampaignId=9">Find out more on current coverage of the poultry production and value report from the USDA.</a></p>
<p><strong>Source</strong>: <a href="http://app.now.experian.com/e/er?s=476064971&amp;lid=118&amp;elq=80146a067f364074a1f563e894487fa4&amp;elqCampaignId=9">National Agricultural Statistics Service (NASS), Agricultural Statistics Board and United States Department of Agriculture (USDA)</a>.</p>
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		<item>
		<title>HELOC delinquency rate falls below 1 percent</title>
		<link>http://www.experian.com/blogs/credit-cornerstone/2012/10/26/heloc-delinquency-rate-falls-below-1-percent/</link>
		<comments>http://www.experian.com/blogs/credit-cornerstone/2012/10/26/heloc-delinquency-rate-falls-below-1-percent/#comments</comments>
		<pubDate>Fri, 26 Oct 2012 17:26:42 +0000</pubDate>
		<dc:creator>daniel.almasy</dc:creator>
				<category><![CDATA[Oliver Wyman]]></category>
		<category><![CDATA[delinquency rate]]></category>
		<category><![CDATA[HELOC]]></category>
		<category><![CDATA[home equity line of credit]]></category>

		<guid isPermaLink="false">http://www.experian.com/blogs/credit-cornerstone/?p=428</guid>
		<description><![CDATA[During Q2 of 2012, home equity line of credit (HELOC) delinquency rates were the lowest in recent years. The delinquency rate fell below 1 percent for all performance categories: 30 to 59 days past due (DPD) fell to 0.88 percent; 60 to 89 DPD was at 0.42 percent and 90 to 180 DPD was at [...]]]></description>
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<p>During Q2 of 2012, home equity line of credit (HELOC) delinquency rates were the lowest in recent years. The delinquency rate fell below 1 percent for all performance categories: 30 to 59 days past due (DPD) fell to 0.88 percent; 60 to 89 DPD was at 0.42 percent and 90 to 180 DPD was at 0.99 percent.</p>
<p><a href="http://app.now.experian.com/e/er?s=476064971&amp;lid=40&amp;elq=0b8aa6c3b9c34852bcda88d3e144da49&amp;elqCampaignId=9">Listen to our recorded Webinar</a> on consumer credit trends from the Q2 2012 Experian–Oliver Wyman Market Intelligence Reports, including an in-depth look at the current state of the U.S. real-estate market.</p>
<p><strong>Source</strong>: <a href="http://app.now.experian.com/e/er?s=476064971&amp;lid=41&amp;elq=0b8aa6c3b9c34852bcda88d3e144da49&amp;elqCampaignId=9">Experian-Oliver Wyman Market Intelligence Reports</a>.</p>
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		<title>Mortgage delinquency rate lowest in a decade?</title>
		<link>http://www.experian.com/blogs/credit-cornerstone/2012/05/10/mortgage-delinquency-rate-lowest-in-a-decade/</link>
		<comments>http://www.experian.com/blogs/credit-cornerstone/2012/05/10/mortgage-delinquency-rate-lowest-in-a-decade/#comments</comments>
		<pubDate>Thu, 10 May 2012 08:07:19 +0000</pubDate>
		<dc:creator>josephine.munis</dc:creator>
				<category><![CDATA[Mortgage]]></category>
		<category><![CDATA[Oliver Wyman]]></category>
		<category><![CDATA[consumer credit trends]]></category>
		<category><![CDATA[strategic defaults]]></category>
		<category><![CDATA[Vintage Analysis]]></category>

		<guid isPermaLink="false">http://www.experian.com/blogs/credit-cornerstone/?p=292</guid>
		<description><![CDATA[A vintage analysis comparing 60 or more days past due (DPD) delinquency performance at the one-year mark for mortgages originated between 2002 and 2010 shows that 2010 outperformed previous years, with a delinquency rate of 0.37 percent. The worst- performing vintage was 2006, with a 60 or more DPD delinquency rate of 3.84 percent – [...]]]></description>
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<p>A vintage analysis comparing 60 or more days past due (DPD) delinquency performance at the one-year mark for mortgages originated between 2002 and 2010 shows that 2010 outperformed previous years, with a delinquency rate of 0.37 percent. The worst- performing vintage was 2006, with a 60 or more DPD delinquency rate of 3.84 percent – more than 10 times the delinquency rate of 2010.</p>
<p><a title="Listen" href="http://www.experian.com/decision-analytics/consumer-credit-and-the-current-state-of-strategic-default-webinar-page.html?WT.srch=DA_CC_blog_content_c2a_051012 " target="_blank">Listen</a> to our recorded Webinar for a detailed look at the current state of strategic default in mortgage and an update on consumer credit trends.</p>
<p><strong>Source</strong>: <a title="Experian Oliver Wyman Market Intelligence Reports" href="http://www.experian.com/decision-analytics/market-intelligence-report.html?WT.srch=DA_CC_blog_content_source_051012 " target="_blank">Experian-Oliver Wyman Market Intelligence Reports</a></p>
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		<title>Super-prime credit tier shows significant increase in mortgage origination volume</title>
		<link>http://www.experian.com/blogs/credit-cornerstone/2012/03/19/super-prime-credit-tier-shows-significant-increase-in-mortgage-origination-volume/</link>
		<comments>http://www.experian.com/blogs/credit-cornerstone/2012/03/19/super-prime-credit-tier-shows-significant-increase-in-mortgage-origination-volume/#comments</comments>
		<pubDate>Mon, 19 Mar 2012 08:15:33 +0000</pubDate>
		<dc:creator>josephine.munis</dc:creator>
				<category><![CDATA[Featured]]></category>
		<category><![CDATA[Mortgage]]></category>
		<category><![CDATA[Oliver Wyman]]></category>
		<category><![CDATA[consumer credit trends]]></category>
		<category><![CDATA[Market Intelligence Reports]]></category>
		<category><![CDATA[Q4]]></category>
		<category><![CDATA[strategic default]]></category>
		<category><![CDATA[strategic defaults]]></category>
		<category><![CDATA[vantage score]]></category>
		<category><![CDATA[VantageScore Solutions]]></category>

		<guid isPermaLink="false">http://www.experian.com/blogs/credit-cornerstone/?p=69</guid>
		<description><![CDATA[In Q3 2011, $143 billion – or nearly 44 percent of the $327 billion in new mortgage originations – was generated by VantageScore® A tier consumers. This represents an increase of 35 percent for VantageScore A tier consumers when compared with originations for the quarter before ($106 billion, or 39 percent of total originations). Watch [...]]]></description>
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<p>In Q3 2011, $143 billion – or nearly 44 percent of the $327 billion in new mortgage originations – was generated by VantageScore® A tier consumers. This represents an increase of 35 percent for VantageScore A tier consumers when compared with originations for the quarter before ($106 billion, or 39 percent of total originations).</p>
<p><a title="Q4 2011 Webinar" href="http://www.experian.com/decision-analytics/consumer-credit-and-the-current-state-of-strategic-default-webinar-page.html?WT.srch=DA_OW_QTrends_CC¬blog_Q4_031912" target="_blank">Watch Experian&#8217;s Webinar</a> for a detailed look at the current state of strategic default in mortgage and an update on consumer credit trends from the Q4 2011 Experian-Oliver Wyman Market Intelligence Reports</p>
<p><strong>Source</strong>: <a href="http://www.experian.com/decision-analytics/market-intelligence-report.html?WT.srch=DA_CC_blog_content_source_031912">Experian-Oliver Wyman Market Intelligence Reports</a>.</p>
<p><em>VantageScore® is owned by VantageScore Solutions, LLC.</em></p>
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		<item>
		<title>Are consumers paying their retail cards on time?</title>
		<link>http://www.experian.com/blogs/credit-cornerstone/2012/03/12/are-consumers-paying-their-retail-cards-on-time/</link>
		<comments>http://www.experian.com/blogs/credit-cornerstone/2012/03/12/are-consumers-paying-their-retail-cards-on-time/#comments</comments>
		<pubDate>Mon, 12 Mar 2012 22:12:56 +0000</pubDate>
		<dc:creator>josephine.munis</dc:creator>
				<category><![CDATA[Bankcard]]></category>
		<category><![CDATA[Oliver Wyman]]></category>
		<category><![CDATA[consumer credit trends]]></category>
		<category><![CDATA[credit trends]]></category>
		<category><![CDATA[delinquency rates]]></category>
		<category><![CDATA[Market Intelligence Reports]]></category>
		<category><![CDATA[retail card]]></category>
		<category><![CDATA[retail card utilization]]></category>
		<category><![CDATA[retail spending]]></category>
		<category><![CDATA[webinar]]></category>

		<guid isPermaLink="false">http://www.experian.com/blogs/credit-cornerstone/?p=20</guid>
		<description><![CDATA[While retail card utilization rates decreased slightly in Q3 2011, retail card delinquency rates increased for all performance bands (30-59, 60-89 and 90-180 days past due) in Q3 2011 after reaching multiyear lows the previous quarter. Listen to our recent Webinar on consumer credit trends and retail spending. Source: Experian-Oliver Wyman Market Intelligence Reports]]></description>
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<p>While retail card utilization rates decreased slightly in Q3 2011, retail card delinquency rates increased for all performance bands (30-59, 60-89 and 90-180 days past due) in Q3 2011 after reaching multiyear lows the previous quarter.</p>
<p><a title="Listen to our recent webinar" href="http://www.experian.com/decision-analytics/consumer-credit-and-retail-spending-trends-webinar.html?WT.srch=DA_CC_blog_content_c2a_031212" target="_blank">Listen to our recent Webinar on consumer credit trends and retail spending.</a></p>
<p><strong>Source</strong>: <a title="Experian Oliver Wyman" href="http://www.experian.com/decision-analytics/market-intelligence-report.html?WT.srch=DA_CC_blog_content_source_031212" target="_blank">Experian-Oliver Wyman Market Intelligence Reports</a></p>
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