Recent Posts

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...


Automotive delinquencies increase in twenty-two states

Jun 02 2014 by
Although 60-day automotive loan delinquencies fell 1.7 percent at a national level when comparing Q1 2014 to Q1 2013, twenty-two states actually experienced a delinquency increase. Delaware showed the sharpest increase, moving up...


Average debt amounts increase while average credit scores hold steady

May 27 2014 by
Experian's most recent Credit Trends study analyzing current debt levels and credit scores in the top 20 major U.S. metropolitan areas found that Detroit, Michigan, residents have the lowest average debt ($23,604) and Dallas,...


Declining balances and rising delinquencies cause setback in Q1

May 15 2014 by
Following a full year of steady improvement, small-business credit conditions stumbled during the first quarter of 2014. Credit balances receded slightly from the end of 2013 and the delinquency rate ticked higher to 9.8 percent...


Credit Cornerstone Right to Your Inbox

Live Webcast!

Latest Tweets