Credit Cornerstone

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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
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