Recent Posts

HELOC activity on the rise

Jul 31 2014 by
According to the latest Experian-Oliver Wyman Market Intelligence Report, home equity line of credit (HELOC) originations warmed up significantly heading into summer. After two consecutive quarters of decline, HELOC originations...


Travelers need more than sunscreen to protect themselves

Jul 25 2014 by
A recent survey reveals that 30 percent of travelers have experienced identity theft while traveling or know someone who has. While respondents indicated they felt most vulnerable to identity theft in restaurants and Internet...


Older-model vehicles at highest percentage on record

Jul 18 2014 by
While automotive loan originations grew 15 percent year over year in Q1 2014, a recent Experian Automotive study found that more consumers are continuing to drive older-model vehicles. Vehicles predating the 2001 model year...


Importance of a data breach response plan

Jul 10 2014 by
A recent study conducted by the Ponemon Institute found that a data breach is among the top three occurrences that affect brand reputation, along with poor customer service and an environmental incident. Among respondents who...


Transitioning to a more predictive risk model

Jul 03 2014 by
Universe expansion is key to any lender's growth strategy. Sophisticated, advanced risk models, such as the VantageScore®3.0 model, allow lenders to score up to 35 million more consumers than other risk models. When...


Study analyzes email remarketing best practices

Jun 30 2014 by
According to Experian Marketing Services’ Q1 2014 Email Benchmark Report, personalized abandoned cart emails that dynamically show the actual customer cart had 25 percent higher transaction rates than reminder emails that just...


Financial responsibility makes a prospective spouse more attractive

Jun 20 2014 by
A recent Experian Consumer Services survey focusing on the most important attributes in a prospective spouse found that married adults value financial responsibility more than physical attractiveness. Approximately half (49...


More consumers are opting for longer loan terms

Jun 12 2014 by
With the cost of new vehicles continuing to increase, consumers are opting for longer loan terms. The average automotive loan term reached 66 months in Q1 2014 - the highest level on record. Leasing also set new records,...


Refi activity continues to impact mortgage originations

Jun 06 2014 by
According to the latest Experian-Oliver Wyman Market Intelligence Report, mortgage originations for Q1 2014 decreased by 53 percent over Q1 2013 - $235 billion versus $515 billion, respectively. The decrease is driven...


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