Credit Cornerstone

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Authentication through device intelligence...

With more than one-third of customers interacting with a single business in five or more channels and more than 85 percent of consumers using...

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A centralized approach to data quality...

Data quality continues to be a challenge for many organizations....

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Bankcard utilization increases dramatically for lower ...

While the average bankcard utilization rate hovered around 20% during the last quarter of 2014, utilization rates can vary greatly when analyzed by VantageScore®...

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Gift cards continue to increase in popularity...

Gift cards are the most requested gift item and have been for the last eight years. Merchants love gift cards because they take up...

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Driving value through customer loyalty and advocacy...

A comprehensive customer-experience strategy can give companies the competitive edge needed in a market where price, products and service can no longer be considered...

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Opportunities through the rise in smart devices...

According to the latest research by Experian Marketing Services, nearly a third of all Americans use at least one type of smart or Internet-connected...

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Bankcard growth trend continues...

According to a recent Experian credit-trend analysis, bankcard originations for all of 2014 totaled $318.7 billion, a 20 percent increase over 2013 originations of...

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More consumers are doing nothing after a data breach...

The experience of being a victim of data breaches has created a shift in consumer behavior and attitude over the past year. A recent...

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Balancing customer acquisitions and fraud prevention...

While marketers typically spend vast amounts of money to increase customer acquisitions, fraud prevention can undercut those efforts. According to a recent 41st Parameter®...

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Many unscoreables are actually considered prime or nea...

According to research from VantageScore® LLC, 30 to 35 million people are not scored by the most popular credit-scoring models. When measured by more...

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The results are in: Peak week email volume and revenue...

This season’s peak week, the Wednesday before Thanksgiving through the Tuesday after Cyber Monday, had an 18 percent increase in email volume, an 11...

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Surviving the season of giving without drowning in deb...

According to a new survey from Experian Consumer Services, consumers are anticipating spending more on gifts this holiday season than they did in 2013.......

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Minnesota dominates top 10 list...

Experian's most recent State of Credit report analyzed the average credit scores for more than 100 metropolitan statistical areas (MSAs)....

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A mobile-centric approach to acquisitions...

The ubiquity of mobile devices provides financial services marketers with an effective way to distribute targeted, customized messages that appeal to a single shopper...

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Balance transfers: a profitable opportunity...

Card-to-card balance transfers represent a substantial profit opportunity for...

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