Credit Cornerstone

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Average bankcard limit decreases...

While total limits on bankcard originations reached $81.8 billion in Q3 2015, the average limit per card decreased by 4% year over year ($4,715...

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Automotive financing reaches new highs...

According to the latest State of the Automotive Finance Market report, a record 55.5% of all used vehicles were financed in Q2 2015, compared...

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Are you really using the same model at each bureau?...

VantageScore® models are the only credit scoring models to employ the same characteristic information and model design across the three credit...

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Seasonal email trends...

With the holidays around the corner, retailers are getting ready to release their holiday...

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The value of mobile subscribers...

While mobile subscriber lists typically are much smaller than email lists, mobile subscribers tend to be loyal and highly engaged...

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Student loans – a growing concern...

A recent Experian study found student loans have increased by 84% since the recession (from 2008 to 2014), surpassing credit card debt, home-equity loans...

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Cross-channel marketing reality check...

According to a recent Experian Marketing Services study, 99% of companies believe achieving a single customer view is important to their business, but only...

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Consumers choosing longer automotive loans...

According to the latest State of the Automotive Finance Market report, consumers are continuing to extend loan terms as a way to keep payments......

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Leveraging the full potential of data...

A recent Experian study on data insights found that 83% of chief information officers see data as a valuable asset that is not being...

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Auto-loan delinquencies stay on track...

While auto delinquencies declined slightly year over year (3.01% for accounts 30 days past due or greater in Q2 2015 versus 3.03% a year...

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Mortgage originations continue to increase...

According to the latest Experian-Oliver Wyman Market Intelligence Report, mortgage originations for Q2 2015 increased 56% over Q2 2014 — $547 billion versus $350...

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Digitally savvy generation may not be so credit savvy...

According to a recent Experian analysis, millennials (ages 19–34) are now the largest segment of the U.S. population and are also the least credit...

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Newly scored population can be highly credit worthy...

According to VantageScore® Solutions' annual validation study, VantageScore 3.0 scores 36 million incremental consumers considered unscoreable by conventional credit scoring models....

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Mortgage originations increase year over year...

According to the latest Experian-Oliver Wyman Market Intelligence Report, mortgage originations increased 25% year over year in Q1 2015 to $316 billion....

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Survey reveals travel spending behavior...

According to a recent Experian survey, 68% of vacationers spend more money than expected when traveling, often relying on credit cards to make up...

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