Credit Cornerstone

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Credit quality improves markedly in the first quarter...

Small-business credit conditions improved in Q1 2013, reversing much of the deterioration seen during Q4 2012. The Q1 rise was fueled primarily by falling...

Read More Credit quality improves markedly in the first quarter
Originations are up while delinquency levels reach nea...

A recent Experian credit trends analysis of new mortgages and bankcards from Q1 2013 shows a 16 percent year-over-year increase in mortgage origination volume...

Read More Originations are up while delinquency levels reach near-record lows
Strategic defaulters not likely to obtain a mortgage i...

Despite the improving real-estate market, financial institutions are concerned about lending to consumers who have pursued strategic defaults. In a recent VantageScore Solutions survey,...

Read More Strategic defaulters not likely to obtain a mortgage in the near future
Study finds notable differences in credit characterist...

A recent study comparing financial differences between men and women found that, overall, women are better at managing money and debt. Differences between the...

Read More Study finds notable differences in credit characteristics of men and women
Small business loans – a new lending landscape...

Financial institutions are revisiting their policies and thresholds for lending to small businesses and are slowly loosening restrictions. In a recent survey by the...

Read More Small business loans – a new lending landscape
Mortgage originations continue to increase...

Providing more evidence of a housing recovery, Q1 2013 mortgage originations increased 16 percent year over year to $471 billion. The Midwest region delivered...

Read More Mortgage originations continue to increase
Big expenditures are the most common reason for checki...

A recent survey that polled Americans on credit scores found that while nearly half of respondents (49 percent) check their credit scores at least...

Read More Big expenditures are the most common reason for checking credit score
Study analyzes profiles of consumers with high credit ...

VantageScore Solutions’ analysts recently examined how many accounts consumers with prime credit scores typically have in their credit file. Consumers who generally qualify for...

Read More Study analyzes profiles of consumers with high credit scores
Hybrid buyers care for the environment and their credi...

A recent analysis by Experian Automotive found that, overall, consumers purchasing a hybrid have significantly higher credit scores than those purchasing another type of...

Read More Hybrid buyers care for the environment and their credit
Group with lowest average balance shows greatest quart...

While VantageScore® super-prime consumers carried the lowest average credit card balance of all credit tiers in Q4 2012 ($2,581), this group experienced the greatest...

Read More Group with lowest average balance shows greatest quarterly percentage increase
Consumers are taking on longer automotive loans...

Findings from Experian's latest State of the Automotive Finance Market analysis showed the average loan term for a new vehicle jumped to an all-time...

Read More Consumers are taking on longer automotive loans
National credit default rates are in line with other e...

The most recent release of the S&P/Experian Consumer Credit Default Indices showed national credit default rates decreased in February. The national composite* moved from...

Read More National credit default rates are in line with other economic trends
New model expands the scoreable universe...

Using a more inclusive scoring model such as the new VantageScore® 3.0, lenders can score up to 30 million consumers who are labeled "unscoreable"...

Read More New model expands the scoreable universe
Consumers with HELOCs have the highest average credit ...

While the overall average VantageScore® for consumers in Q4 2012 was 748, the average score can vary greatly by specific loan product. For example,...

Read More Consumers with HELOCs have the highest average credit score
Increase debit card usage to drive revenue...

Spending on debit and prepaid cards in the United States topped $2 trillion in 2011, with 75 percent of this purchase volume being non-ATM...

Read More Increase debit card usage to drive revenue