Credit Lending

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Putting Customer Experience at the core of your debt c...

We regularly hear from clients that charge-offs are increasing and they’re struggling to keep up with the credit loss. Many clients use the same...

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The State of Student Loan Debt in 2017...

School is nearly back in session. You know what that means? The next wave of college students is taking out their first student loans....

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Is there really a student loan debt crisis?...

There’s no shortage of headlines alluding to a student loan crisis. But is there a crisis brewing or is this just a headline grab?...

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Consumer Credit Default Indices...

The economic expansion just passed the eight-year mark, and consumer credit defaults across mortgages, bankcards and auto loans are at pre–financial crisis levels. More...

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The need for more inclusive data sources...

CFPB and credit invisibles A recent study by the Consumer Financial Protection Bureau (CFPB) found that American consumers establish credit differently depending on their...

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Using trended data for deeper lending...

Historical data that illustrates lower credit card use and increases in payments is key to finding consumers whose credit trajectory is improving. But positive...

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Financial health trends in America...

1 in 10 Americans are living paycheck to paycheck Financial health means more than just having a great credit score or money in a...

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Student loan debt — headline or headache?...

School’s out, and graduation brings excitement, anticipation and bills. Oh, boy, here come the student loans. Are graduates ready for the bills? Even before...

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Credit union loan performance...

The State of Credit Unions 2017 In the financial services universe, there is no shortage of players battling for consumer attention and share of...

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First wave of Gen Z entering credit ranks...

Millennials have long been the hot topic over the course of the past few years with researchers, brands and businesses all seeking to understand...

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Real-time credit decisions: Putting big data to work...

Call it big data, smart data or evidence-based decision-making. It’s not just the latest fad, it’s the future of how business will be guided...

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What bubble?...

Subprime vehicle loans When discussing automotive lending, it seems like one term is on everyone’s lips: “subprime auto loan bubble.” But what is the...

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The State of Credit Unions in 2017...

How do credit unions stack up in a pack filled with heavy-hitting banks and aggressive online lenders? Do credit scores, debt levels and utilization...

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What bubble? Subprime vehicle loans hit Q1 10-year low...

When discussing automotive lending, it seems like one term is on everyone’s lips: “subprime auto loan bubble.” There’s always someone who claims that the...

Read More What bubble? Subprime vehicle loans hit Q1 10-year low; 30-day delinquencies drop
Credit cards, credit lines, credit scores...

Analyzing credit scores and card balances According to a study by VantageScore® Solutions LLC, consumers with credit scores between 601 and 650 carry the...

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