Credit Cornerstone

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Mortgage delinquency rate lowest in a decade?...

A vintage analysis comparing 60 or more days past due (DPD) delinquency performance at the one-year mark for mortgages originated between 2002 and 2010...

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Mortgage delinquencies shift direction...

After increasing for the first time in nearly two years, the 30 and 60 days past due (DPD) mortgage delinquencies as a percentage of...

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Mortgage default risk improving...

A recent study compiled by VantageScore Solutions found that default risk associated with mortgage originations has improved. The likelihood that a borrower will become...

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Average bankcard balances increasing...

The average bankcard balance per consumer rose to $4,359 in Q1 2012 – an 8 percent increase from the previous quarter. The increase resulted...

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Which credit score tiers have the highest incidence of...

A recent Experian study showed that strategic defaults accounted for 23 percent of all mortgage defaults 60 days past due or greater in Q4...

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Auto lenders originating longer loans...

With interest rates at their lowest level since 2008 and an increasingly competitive market, automotive lenders are increasing their willingness to make loans between...

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Collections in today’s world: five steps for suc...

The economy is accelerating at a sluggish pace, and world headlines cause business leaders to swing between optimism and pessimism daily. Risk managers must...

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Average credit score drops for both new and used auto ...

The automotive loan market continued to improve, with lenders showing more willingness to lend outside of prime. In Q4 2011, average credit scores for...

Read More Average credit score drops for both new and used auto loans
Loan growth a top priority for small-business lenders...

Despite low demand and a shrinking pool of qualified candidates, loan growth priorities continue to rank high for most small-business lenders – both for...

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Strong growth in bankcard originations for some credit...

The strongest growth in new bankcard accounts is occurring in the near-prime and subprime segments of VantageScore® C, D and F. Year-over-year (Q1 2011...

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Are you in compliance with the new consumer protection...

The Consumer Financial Protection Bureau (CFPB) now has the ability to write and enforce 18 consumer protection laws that guide financial products and services....

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Are mortgage originations continuing their decline?...

Even as interest rates remain at near-record lows, mortgage originations declined for the second quarter in a row in Q2 2011 to $268 billion,...

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What metrics are you using to measure score performanc...

VantageScore®  polled risk professionals about how they are measuring score performance, and 60 percent of respondents said they are now using metrics beyond the...

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Automotive loan originations shift into high gear...

Lenders continued to increase their appetite for risk in Q2 2011, with new vehicle loans for customers with credit outside of prime increasing by...

Read More Automotive loan originations shift into high gear
Use of real-time address verification increasing among...

Experian® QAS®, a leading provider of address verification software and services, recently released a new benchmark report on the data quality practices of top...

Read More Use of real-time address verification increasing among top online retailers