Credit Cornerstone

Loading...
Average debt amounts increase while average credit sco...

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,...

Read More Average debt amounts increase while average credit scores hold steady
Declining balances and rising delinquencies cause setb...

Following a full year of steady improvement, small-business credit conditions stumbled during the first quarter of...

Read More Declining balances and rising delinquencies cause setback in Q1
Study explores how frequently lenders validate credit ...

As part of its guidance, the Office of the Comptroller of the Currency recommends that lenders perform regular validations of their credit score models...

Read More Study explores how frequently lenders validate credit scores
Heartbleed: Is your organization prepared?...

The security world was taken by surprise earlier this month when researchers discovered Heartbleed, a new large-scale threat that exploits a security vulnerability in......

Read More Heartbleed: Is your organization prepared?
The majority of Millennials have used a cosigner in th...

A recent survey focusing on the credit behavior of Millennials (age group 18 to 30) shows that 90 percent are familiar with cosigning and...

Read More The majority of Millennials have used a cosigner in the past
New card limits increase only for top credit tiers...

Bankcard originations had a 32 percent year-over-year increase in Q4 2013 ($61 billion to $81 billion)....

Read More New card limits increase only for top credit tiers
Lender survey shows concern over consumer understandin...

In an effort to understand consumer needs better and help lenders educate their customers, VantageScore® Solutions surveyed more than 200 lenders nationwide on the...

Read More Lender survey shows concern over consumer understanding of credit scores and reason codes
Financing becomes more available for nonprime credit t...

Auto financing became easier to obtain in Q4 2013 and the market share for new vehicle loans in the nonprime, subprime and deep-subprime credit...

Read More Financing becomes more available for nonprime credit tiers
Annual study analyzes e-mail marketing trends...

According to Experian Marketing Services' annual Email Market Study, personalized promotional emails have 29 percent higher unique open rates and 41 percent higher unique...

Read More Annual study analyzes e-mail marketing trends
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...

Read More Leasing grows in popularity as lenders ease credit standards
Eastern states continue to pay late...

While access to small-business credit is improving and credit balances are increasing, key differences still remain across the United...

Read More Eastern states continue to pay late
Does your risk model stand up against the test of time...

Using a risk model based on older data can result in reduced predictive...

Read More Does your risk model stand up against the test of time?
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,...

Read More Auto lending continues growth trend
Mortgage originations increase year over year...

The housing market continues to recover, with mortgage originations increasing 12 percent year over year, moving from $508 billion to $570...

Read More Mortgage originations increase year over year
Credit index improves for fourth consecutive quarter...

Small-business credit conditions wrapped up the year by showing continued improvement for the fourth consecutive quarter....

Read More Credit index improves for fourth consecutive quarter