Credit Cornerstone

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Originations grow as delinquencies decline...

Although the average mortgage rate was more than 4% at the end of the first quarter*, Q1 mortgage originations were nearly $450 billion —...

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5 e-commerce fraud trends, according to Aite Group...

During our recent webinar, Detect and Prevent: The current state of e-commerce fraud, Julie Conroy, Aite Group research director, shared 5 key trends relating...

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4 tips for data management in retail...

Data is the cornerstone of retail success today. Yet only 39% of retailers trust their data when making important business decisions.  Your organization —...

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5 riskiest states of 2016...

With the recent switch to EMV and more than 4.2 billion records exposed by data breaches last year*, attackers are migrating their fraud attempts...

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Auto finance industry continues increasing pace...

Setting new records isn’t just for racecar drivers. The auto finance industry continues to achieve its own new highs. According to Experian’s State of...

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Understanding a consumer’s credit behavior...

Knowing a consumer’s credit information at a single point in time tells only part of the story. For the whole story, lenders need to...

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Where is e-commerce fraud taking place?...

The adoption of EMV terminals has pressured attackers to migrate their fraud attempts to the card-not-present channel. This is a major driver to the...

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Avoiding address manipulation fraud...

Legitimate address discrepancies are common, which surprises most people. And handling every address discrepancy as a high fraud risk is operationally expensive and inhibits...

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When “best” isn’t the best for fighting fr...

Fraud and address manipulation (Part 1) Identifying an address as incorrect seems simple enough. But in reality, address mismatches between an application and credit...

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Financial aftermath of divorce...

Divorce often affects financial health negatively. It’s expensive – often causing nearly $20,000 in losses.  A recent Experian survey found: 34% say their divorce...

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Auto loan delinquency rates pick up the pace...

A recent Experian study found that the amount of time it’s taking for automotive loans opened in Q4 2015 to become delinquent is actually...

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4 ways to re-engage dormant buyers...

Reactivation campaigns make economic sense. They build on a brand’s previous investments, targeting customers who already are aware of and previously have engaged with...

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Insights into the personal loan market...

A recent analysis revealed a 9-point negative shift in the average VantageScore® for personal loan originations from Q3 to Q4 of 2016. Additional insights...

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Who are the most loyal vehicle consumers?...

When it comes to buying a vehicle, we found that consumers who owned a Certified Pre-Owned (CPO) used vehicle are most loyal to the...

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How does technology improve big data decisions?...

The consumer economy has evolved dramatically over the past few years — in large part due to technology and access to large amounts of...

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