Veronica Herrera

Verronica Herrera is a member of Experian’s Decision Sciences’ product management team primarily focused on bureau scores. She brings background and expertise on wide variety of credit risk and prospecting scoring tools, including VantageScore™, Bankruptcy PLUS, In the Market Models, and the Ability to Pay suite of income estimation models. Veronica has 13 years experience managing online consumer products for mortgage, insurance and consumer credit industries and is the newest member of our blogging team, since 2012.

All posts by Veronica Herrera

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The ideal prospecting list: finding the most profitabl...

Many times prescreen filtering stops after risk selection but that’s just one small piece of the puzzle.Experian has new tools that can help you...

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The ideal prospect list: optimal risk selection...

Every prospecting list needs to be filtered by your organizations specific credit risk threshold. Whether you’re developing a campaign targeting super-prime, sub-prime, or consumers...

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Four steps to creating the ideal prospecting list....

At Experian, we frequently get asked by clients how they can get bigger mailing list that open new markets and reach more people. But...

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Validating your models when you use overlays...

Gone are the days when validating scoring models was a thing you did when you got around to it. Besides that fact that the...

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What is subprime?...

As a scoring manager, this question has always stumped me because there was never a clear answer. It simply meant less than prime –...

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The power of credit attribute overlays...

Previously, we looked at the various ways a dual score strategy could help you focus in on an appropriate lending population. Find your mail-to...

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Scoring 101 – Dual score strategies...

Last month, I wrote about seeking ways to ensure growth without increasing risk.  This month, I’ll present a few approaches that use multiple scores...

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Scoring 101 – Evolution of scoring...

For as long as there have been loans, there has been credit risk and risk management. In the early days of US banking, the...

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