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The need for more inclusive data sources...

CFPB and credit invisibles A recent study by the Consumer Financial Protection Bureau (CFPB) found that American consumers establish credit differently depending on their...

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Using trended data for deeper lending...

Historical data that illustrates lower credit card use and increases in payments is key to finding consumers whose credit trajectory is improving. But positive...

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Financial health trends in America...

1 in 10 Americans are living paycheck to paycheck Financial health means more than just having a great credit score or money in a...

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The making of synthetic identities...

A combination of mass identity data compromise and the increasing abilities of organized fraud rings has created a synthetic identity epidemic that is impacting...

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How Experian’s DataLabs built a first-ever “texting fo...

This summer, Experian is releasing the market’s first-ever credit solution that enables consumers to apply for credit with a simple text message. Utilizing patent-pending...

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Student loan debt — headline or headache?...

School’s out, and graduation brings excitement, anticipation and bills. Oh, boy, here come the student loans. Are graduates ready for the bills? Even before...

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Gen Z and credit...

There’s a new crew coming of age. Enter Generation Z. Gen Z — those born between the mid-1990s and the early 2000s — makes...

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Understanding your consumer data reporting requirement...

In March 2015, Experian, Equifax and Trans Union announced an agreement to enhance collecting accurate consumer information and providing consumers with a better experience...

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Credit union loan performance...

The State of Credit Unions 2017 In the financial services universe, there is no shortage of players battling for consumer attention and share of...

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Financial Health Trends in America...

Financial health means more than just having a great credit score or money in a savings account. Although those things are good indicators of...

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First wave of Gen Z entering credit ranks...

Millennials have long been the hot topic over the course of the past few years with researchers, brands and businesses all seeking to understand...

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4 steps to prevent synthetic identity fraud...

Mitigating synthetic identities Synthetic identity fraud is an epidemic that does more than negatively affect portfolio performance. It can hurt your reputation as a...

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Real-time credit decisions: Putting big data to work...

Call it big data, smart data or evidence-based decision-making. It’s not just the latest fad, it’s the future of how business will be guided...

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Mitigating Synthetic ID Fraud...

The creation of synthetic identities (synthetic id) relies upon an ecosystem of institutions, data aggregators, credit reporting agencies and consumers. All of which are...

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What bubble?...

Subprime vehicle loans When discussing automotive lending, it seems like one term is on everyone’s lips: “subprime auto loan bubble.” But what is the...

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