Credit Cornerstone

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Growing thin-file millennials...

Millennials, now the largest generation in the United States, are taking longer to establish credit than earlier generations of young people....

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More consumers opt for auto leases...

According to the latest Experian State of the Automotive Finance Market report, leases accounted for nearly 27% of all new vehicle transactions in Q3...

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The current state of credit...

Experian® recently released the 2015 State of Credit report, which analyzes key credit metrics across the nation....

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Insights for the holiday marketer...

With Black Friday quickly approaching, a recent Experian study shows online Black Friday searches are already tracking ahead of last year. This October, the...

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Scoring millennials...

According to a recent survey commissioned by VantageScore Solutions, millennials cite being unscoreable as the main obstacle to credit access. Among the findings: One-third...

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Self-regulatory program for nonbank small-business len...

The Responsible Business Lending Coalition, a group of nonbank small-business lenders, recently announced a regulatory program designed to bring greater clarity to the industry’s...

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Forging lasting relationships with millennials...

Winning the loyalty of millennials continues to be a key area of opportunity for financial...

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Ready, set, go! Last minute Halloween campaigns...

While marketers typically begin deploying Halloween emails in September, last-minute mailings receive the highest response....

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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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