Credit Lending
Credit card trends and usage looking favorable in 2018...
Consumer confidence is nearing an 18-year high. Unemployment figures are at record lows. Retail spend is healthy, and expected to stay that way through...
Majority Rules: Lower income-earners’ spending and cre...
Lower income-earners, which make up 60% of Americans, are the vehicle driving the U.S.’s booming economy. While the top 40% of earners usually direct...
Q&A with AFSA on the state of alternative data...
As more financial institutions express interest and leverage alternative credit data sources to decision and assess consumers, lenders want to be assured of how...
Regulatory considerations when going digital...
There’s no question today’s consumers have high expectations. As financial services companies wrestle with the laws and consumer demands, here are a few points...
The regulatory considerations to know around digital c...
Consumers and businesses alike have been hyper-focused on all things data over the past several months. From the headlines surrounding social media privacy, to...
Building tools to drive financial health...
With delinquencies on the rise, financial institutions are looking for new tools to evaluate and improve the financial lives of customers and members. As...
#ExperianVision 2018 Day 1 Recap...
Alternative credit data. Enhanced digital credit marketing. Faster, integrated decisioning. Fraud and identity protections. The latest in technology innovation. These were the themes Craig...
New analysis on the state of alternative credit data...
The traditional credit score has ruled the financial services space for decades, but it‘s clear the way in which consumers are managing their money...
Transforming Shopping Experiences: Experian’s Text for...
At Experian, innovation is at the heart of our culture. We strive for continuous improvement, from finding new ways to better use data to...
Designing a robust customer segmentation — Evaluation ...
In my first blog post on the topic of customer segmentation, I shared with readers that segmentation is the process of dividing customers or...
4 Types of Alternative Credit Data You Should Be Using...
Alternative credit data sources make it possible for lenders to gain a more holistic view of existing and potential client bases, enabling them to...
New report reveals latest trends on subprime market...
In the credit game, the space is deep and diverse. From super prime to prime to subprime consumers, there is much to be learned...
Simple steps to lift an Experian security freeze...
Millions of Americans placed a credit freeze or restricted access to their credit file in recent months to keep identity thieves at bay. Credit...
Industry’s first tri-bureau trended attributes to help...
Traditional credit attributes provide immense value for lenders when making decisions, but when used alone, they are limited to capturing credit behavior during a...
Trended attributes: key to segmentation strategy devel...
Today’s consumer lending environment is more dynamic and competitive than ever, with renewed focus on personal loans, marketplace lending and the ever-challenging credit card...