Recent Posts

Annual study analyzes e-mail marketing trends

Mar 27 2014 by
According to Experian Marketing Services' annual Email Market Study, personalized promotional emails have 29 percent higher unique open rates and 41 percent higher unique click rates than nonpersonalized mailings. The study also...


Leasing grows in popularity as lenders ease credit standards

Mar 20 2014 by
The most recent Experian State of the Automotive Finance Market report shows more consumers are leasing vehicles. Leases accounted for 28.4 percent of all new vehicles financed in Q4 2013 - the highest level on record since...


Eastern states continue to pay late

Mar 13 2014 by
While access to small-business credit is improving and credit balances are increasing, key differences still remain across the United States. Small companies in the Western states show the strongest improvements in delinquency...


Does your risk model stand up against the test of

Mar 06 2014 by
Using a risk model based on older data can result in reduced predictive power. As consumer credit behaviors evolve, the predictive contribution of specific factors changes. For example, in recently developed models, payment...


Auto lending continues growth trend

Feb 27 2014 by
Findings from the most recent Experian State of the Automotive Finance Market report show outstanding automotive loan balances increased 11 percent from Q4 2012, reaching $798.5 billion in Q4 2013 — the highest level since...


Mortgage originations increase year over year

Feb 21 2014 by
The housing market continues to recover, with mortgage originations increasing 12 percent year over year, moving from $508 billion to $570 billion. Mortgage origination dollar volumes shifted to an almost equal split, with home...


Credit index improves for fourth consecutive quarter

Feb 21 2014 by
Small-business credit conditions wrapped up the year by showing continued improvement for the fourth consecutive quarter. The Experian/Moody’s Analytics Small Business Credit Index advanced to 117 in Q4 2013 from 115.8 in Q3...


Auto delinquency rates still low but moving upward

Feb 07 2014 by
Delinquency rates for auto loans moved up slightly in the last quarter of 2013, with the 30 to 59 days past due (DPD), 60 to 89 DPD and 90 to 180 DPD delinquency rates at 2.18 percent, 0.56 percent and 0.24 percent, respectively....


Holiday email trends

Feb 05 2014 by
The volume of emails sent by marketers rose nearly 13 percent during the 2013 holiday season compared to 2012. The higher email volume led to a 9 percent increase in the number of online retail transactions and an 18.4 percent...


Credit Cornerstone Right to Your Inbox

Live Webcast!

Latest Tweets