Credit Cornerstone

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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
Auto delinquency rates still low but moving upward...

Delinquency rates for auto loans moved up slightly in the last quarter of 2013, with the 30 to 59 days past due (DPD), 60...

Read More Auto delinquency rates still low but moving upward
Holiday email trends...

The volume of emails sent by marketers rose nearly 13 percent during the 2013 holiday season compared to...

Read More Holiday email trends
Social media is a key driver of traffic to retail Webs...

According to Experian Marketing Services’ holiday peak week analysis, social media proved to be a key research tool for holiday shoppers and a crucial...

Read More Social media is a key driver of traffic to retail Websites
Using a more inclusive scoring model to reach new segm...

With most lenders focused on growth as the top priority for the new year, having the ability to score more consumers is key....

Read More Using a more inclusive scoring model to reach new segments
Consumers spend more than $1 billion annually on real ...

According to the National Christmas Tree Association, approximately 25 to 30 million real Christmas trees are sold annually in the United States versus 8...

Read More Consumers spend more than $1 billion annually on real Christmas trees
Consumers take advantage of lower auto interest rates ...

According to Experian’s latest State of the Automotive Finance Market report, interest rates for new auto loans dropped to 4.27 percent — the lowest...

Read More Consumers take advantage of lower auto interest rates to take out larger loans
Generation X slowest to pay bills on time...

Experian’s latest annual State of Credit analysis provides insight into the differences in credit habits by generation. While the youngest group, Millennials, appear to...

Read More Generation X slowest to pay bills on time
With bad data creating a clatter, marketers must resol...

Data quality should be a priority for retailers at any time of the year, but even more so as the holiday season approaches. According...

Read More With bad data creating a clatter, marketers must resolve the matter
Small-business credit quality continues to improve...

The credit appetite for small businesses is strong and growing. Total outstanding balances have risen at their fastest rate in two years, and delinquency...

Read More Small-business credit quality continues to improve
Bankcard delinquencies decrease year over year...

Credit trends from the most recent Experian–Oliver Wyman Market Intelligence Report point to a steady economic recovery. Bankcard charge-offs decreased 13 percent year over...

Read More Bankcard delinquencies decrease year over year
Delinquency rates remain low in Q2 2013...

Credit unions were the only type of lender to have their 30 day plus delinquency rate fall below 2 percent for several key product...

Read More Delinquency rates remain low in Q2 2013