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Auto loan balances continue to set new records...

According to Experian’s latest State of the Automotive Finance Market report, auto loan balances reached an all-time high of $905 billion in the first quarter of 2...

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The power of data quality...

Data quality continues to be a challenge for many organizations as they look to improve efficiency and customer...

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HELOC activity on the rise...

According to the latest Experian-Oliver Wyman Market Intelligence Report, home equity line of credit (HELOC) originations warmed up significantly heading into...

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Leasing grows in popularity as lenders ease credit sta...

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...

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Auto lending continues growth trend...

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 2...

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Regulators stress the importance of model validation...

As part of its expanded guidance, the Office of the Comptroller of the Currency explicitly recommends that financial services firms utilizing predictive models and decision analytics run regular validations to gauge model efficacy. VantageScore 2.0 was recently measured against the best credit score models from each of the three...

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Mortgage delinquencies shift direction...

After increasing for the first time in nearly two years, the 30 and 60 days past due (DPD) mortgage delinquencies as a percentage of balances returned to their downward trend, with Q4 delinquency rates of 2.18 percent and 1.06 percent, respectively. This represents a decline of 3.5 percent for...

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Are mortgage originations continuing their decline?...

Even as interest rates remain at near-record lows, mortgage originations declined for the second quarter in a row in Q2 2011 to $268 billion, a 19 percent decline over the previous quarter. Refinance activity that spurred originations in 2010 has not been as prevalent this year. Listen to our...

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Are consumers paying their retail cards on time?...

While retail card utilization rates decreased slightly in Q3 2011, retail card delinquency rates increased for all performance bands (30-59, 60-89 and 90-180 days past due) in Q3 2011 after reaching multiyear lows the previous quarter. Listen to our recent Webinar on consumer credit trends and retail spending. Source:...

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