Credit Cornerstone

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Consumers are tapping into home equity across the nati...

HELOC originations grew 27 percent year over year in Q2...

Read More Consumers are tapping into home equity across the nation
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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Survey finds consumers expect more from breached organ...

As data breaches continue to attract publicity, consumers are expecting more from impacted organizations....

Read More Survey finds consumers expect more from breached organizations
Rental data can help underbanked consumers gain access...

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

Read More Rental data can help underbanked consumers gain access to credit
Delinquencies fall as bankcard originations continue g...

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...

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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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Travelers need more than sunscreen to protect themselv...

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

Read More Travelers need more than sunscreen to protect themselves
Older-model vehicles at highest percentage on record...

While automotive loan originations grew 15 percent year over year in Q1 2014, a recent Experian Automotive study found that more consumers are continuing...

Read More Older-model vehicles at highest percentage on record
Importance of a data breach response plan...

A recent study conducted by the Ponemon Institute found that a data breach is among the top three occurrences that affect brand reputation, along...

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Transitioning to a more predictive risk model...

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...

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Study analyzes email remarketing best practices...

According to Experian Marketing Services’ Q1 2014 Email Benchmark Report, personalized abandoned cart emails that dynamically show the actual customer cart had 25 percent...

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Financial responsibility makes a prospective spouse mo...

A recent Experian Consumer Services survey focusing on the most important attributes in a prospective spouse found that married adults value financial responsibility more...

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More consumers are opting for longer loan terms...

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

Read More More consumers are opting for longer loan terms
Refi activity continues to impact mortgage origination...

According to the latest Experian-Oliver Wyman Market Intelligence Report, mortgage originations for Q1 2014 decreased by 53 percent over Q1 2013 - $235 billion...

Read More Refi activity continues to impact mortgage originations
Automotive delinquencies increase in twenty-two states...

Although 60-day automotive loan delinquencies fell 1.7 percent at a national level when comparing Q1 2014 to Q1 2013, twenty-two states actually experienced a...

Read More Automotive delinquencies increase in twenty-two states