Rental data can help underbanked consumers gain access to credit

Posted on Aug 22 2014 by

A recent study analyzing the impact of rental data on the credit scores of subsidized housing residents uncovered compelling results.

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Delinquencies fall as bankcard originations continue growth trend

Posted on Aug 11 2014 by

While bankcard originations increased 26 percent year over year to $85.3 billion in Q2 2014, delinquencies continued their downward trend, reaching 0.47 percent of balances — an 8 percent decline year over year.

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HELOC activity on the rise

Posted on 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.

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Travelers need more than sunscreen to protect themselves

Posted on Jul 25 2014 by

A recent survey reveals that 30 percent of travelers have experienced identity theft while traveling or know someone who has.

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Older-model vehicles at highest percentage on record

Posted on 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.

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Importance of a data breach response plan

Posted on 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.

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Transitioning to a more predictive risk model

Posted on 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.

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Study analyzes email remarketing best practices

Posted on 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 linked back to the brand’s Website.

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Financial responsibility makes a prospective spouse more attractive

Posted on 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.

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More consumers are opting for longer loan terms

Posted on Jun 12 2014 by

With the cost of new vehicles continuing to increase, consumers are opting for longer loan terms.

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