Credit Cornerstone

Loading...
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...

Read More Which credit score tiers have the highest incidence of strategic default?
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...

Read More Auto lenders originating longer loans
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...

Read More Collections in today’s world: five steps for success
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...

Read More Loan growth a top priority for small-business lenders
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...

Read More Strong growth in bankcard originations for some credit tiers
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....

Read More Are you in compliance with the new consumer protection laws?
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,...

Read More Are mortgage originations continuing their decline?
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...

Read More What metrics are you using to measure score performance?
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
Study highlights generational gap on debt...

A recent Experian credit trends study showcases the types of debts Americans have, the amounts they owe and the differences between generations. Nationally, the...

Read More Study highlights generational gap on debt
Super-prime credit tier shows significant increase in ...

In Q3 2011, $143 billion – or nearly 44 percent of the $327 billion in new mortgage originations – was generated by VantageScore® A...

Read More Super-prime credit tier shows significant increase in mortgage origination volume
Auto loan originations increase significantly for some...

Lenders are increasing loans to credit-challenged customers. According to Experian’s quarterly automotive credit analysis, 21.87 percent of all new vehicle loans went to customers...

Read More Auto loan originations increase significantly for some credit tiers
Growth strategies for today’s consumer market...

In 2010, lenders began to change their focus from maintaining to growing portfolios. Most strategies focused on marketing to the least risky tiers of...

Read More Growth strategies for today’s consumer market