Are you really using the same model at each bureau?...

Posted on Oct 08 2015 by
VantageScore® models are the only credit scoring models to employ...

Read more ››

Newly scored population can be highly credit worthy...

Posted on Jul 24 2015 by
According to VantageScore® Solutions' annual validation study, VantageScore 3.0 scores 36 million incremental consumers considered unscoreable by conventional credit scoring models. The Gini coefficient for the newly scored...

Read more ››

Home buying with swagger...

Posted on Jun 11 2015 by
As the summer home buying season kicks into high gear, a newly released survey shows the importance of understanding credit scores and their impact on homebuyer behavior. The survey results show that consumers who know their...

Read more ››

Bankcard utilization increases dramatically for lower tiers...

Posted on Apr 21 2015 by
While the average bankcard utilization rate hovered around 20% during the last quarter of 2014, utilization rates can vary greatly when analyzed by VantageScore® credit tier. Lenders can play a role in educating consumers...

Read more ››

Financial responsibility makes a prospective spouse more att...

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. Approximately half (49...

Read more ››

Average debt amounts increase while average credit scores ho...

Posted on 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,...

Read more ››

Most “unscoreable” consumers are not subprime...

Posted on Feb 24 2013 by
The average unscoreable consumer has a good job and a better-than-adequate credit profile. Sixty-one percent of unscoreable consumers hold professional level or skilled labor jobs, 30 percent have credit profiles that fall into...

Read more ››

Credit scores for new mortgage originations shift higher...

Posted on Sep 09 2012 by
Mortgage delinquencies continued to reach multi-year lows with the delinquency rate for those 60 plus days past due falling to 4.68 percent in Q2 2012 compared to 5.04 percent for the same quarter last year. The decline may be...

Read more ››

Survey measures consumer knowledge of credit scores...

Posted on Jul 05 2012 by
A recent survey of 1,000 representative American consumers showed that while 78 percent of respondents are aware that they have more than one credit score, some key misperceptions remain: • Fewer than half (44 percent)...

Read more ››

Credit Cornerstone Right to Your Inbox

View Now!

Latest Tweets