Credit Cornerstone

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Subprime credit card limits highest in 5 years — to th...

Subprime and deep-subprime card limits increased in the first six months of 2016, while the 60+ day delinquency rate decreased by 6%. Overall, consumers...

Read More Subprime credit card limits highest in 5 years — to the tune of $6.4 billion
EMV technology’s impact on fraud...

Historically, the introduction of EMV chip technology has resulted in a significant drop in card-present fraud, but a spike in card-not-present (CNP) fraud. CNP...

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CFPB’s latest debt collection proposal...

This summer, the Consumer Financial Protection Bureau (CFPB) took a significant step toward reforming the regulatory framework for the debt collection industry. The focus...

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Managing the risk of fraud...

Fraudsters are more sophisticated than ever. Just when you think you’ve filled the gaps, a new fraud threat emerges. Here are five strategic recommendations...

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Three pillars of identity relationship management...

Did you know that identities can shift (for better or worse) in just 30 days? To succeed in today’s multichannel, mobile environment, businesses must...

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Trended data and balance transfer activity...

Consumer card balance transfer activity is estimated to be $35 billion to $40 billion a year. How do lenders identify these consumers before they...

Read More Trended data and balance transfer activity
Business case for data quality management...

For years, organizations have used data to improve operational efficiencies and cost savings. Now they are beginning to use data to optimize or improve...

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Global trends for fighting fraud...

Experian’s annual global fraud report reveals trends that can help organizations mitigate fraud and improve the customer experience: Apply the right-sized fraud solutions to...

Read More Global trends for fighting fraud
Is the speed of fraud threatening your business?...

In an attempt to stay ahead of fraud, systems have become more complex, more expensive and even more difficult to manage, leading to more...

Read More Is the speed of fraud threatening your business?
Risk models stand the test of time...

As credit behavior and economic conditions continue to evolve, using a model that is validated regularly can give lenders greater confidence in the model’s...

Read More Risk models stand the test of time
Homebuying and credit education...

A recent national survey by Experian revealed opportunities for businesses to build relationships with future homebuyers before they’re ready to obtain a loan. Insights...

Read More Homebuying and credit education
Keeping up with the mobile customer...

Many fraud and compliance teams are struggling to keep pace with new business dynamics. Here are several of the many mobile device trends affecting...

Read More Keeping up with the mobile customer
Vulnerabilities in the Internet of Things...

Every day, millions of new things get connected online, such as toasters, heart monitors and cars. Many of these things have weak security controls...

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College grads ill-prepared to manage credit...

According to a national survey by Experian, college students may be receiving their degrees, but their financial management knowledge still needs some schooling. The...

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Auto loans top $1 trillion...

According to the most recent State of the Automotive Finance Market report, the total balance of open automotive loans increased 11.1% in Q1 2016,...

Read More Auto loans top $1 trillion