Credit Cornerstone

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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...

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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...

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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...

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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...

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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...

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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...

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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...

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