Credit Lending

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Originations grow as delinquencies decline...

Although the average mortgage rate was more than 4% at the end of the first quarter*, Q1 mortgage originations were nearly $450 billion —...

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Apple AirPods satisfaction at a remarkable 98% for cus...

Experian and Creative Strategies share survey results about Apple’s AirPods, Google Home, Amazon Echo and Echo Dot for consumer behavior with voice d...

Read More Apple AirPods satisfaction at a remarkable 98% for customers
Is trended data predictive?...

Sometimes life throws you a curve ball. The unexpected medical bill. The catastrophic car repair. The busted home appliance. It happens, and the killer...

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Detect and Prevent: The current state of e-commerce f...

Knowing where e-commerce fraud takes place matters We recently hosted a Webinar with Mike Gross, Risk Strategy Director at Experian and  Julie Conroy, Research...

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3 ways lenders can grow money smarts with customers...

The U.S. Senate declared April to be Financial Literacy Month back in 2004. Fast forward 13 years and one has to question if we’ve...

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How are Americans faring with financial literacy in 20...

Pay your bills on time, have cash set aside for emergencies, and invest your money for the future. These are the rules financial pros...

Read More How are Americans faring with financial literacy in 2017?
Understanding a consumer’s credit behavior...

Knowing a consumer’s credit information at a single point in time tells only part of the story. For the whole story, lenders need to...

Read More Understanding a consumer’s credit behavior
Stopping fraud with efficiency...

Newest technology doesn’t mean best when it comes to stopping fraud I recently attended the Merchant Risk Conference in Las Vegas, which brings together...

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E-commerce fraud rates spike 33% in 2016...

Has the EMV liability shift caused e-commerce fraud to increase 33% in 2016? According to Experian data, CNP fraud increased with Florida, Delaware, Oregon...

Read More E-commerce fraud rates spike 33% in 2016
Will the mortgage process finally improve for consumer...

It was two years ago when I found myself sitting cross-legged on my home office floor, papers strewn about as I organized piles of...

Read More Will the mortgage process finally improve for consumers? It can.
Benefits of digital verification on the lending journe...

Experian recently acquired a minority stake in Finicity, a leading financial data aggregator enabling innovation in the FinTech industry through its modern RESTful API...

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Understanding and knowing how to use trended data...

Knowing a consumer’s credit information at a single point in time only tells part of the story. I often hear one of our Experian...

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Addressable TV and why financial services companies sh...

Direct mail is not dead, but it’s 2017. Financial services companies need to acknowledge there might be other ways to deliver credit offers and...

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Q&A with industry expert on digital credit market...

As lenders seek to enhance their credit marketing strategies this year, they are increasingly questioning how to split their budgets between digital, direct mail and...

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What’s the difference between prescreen and prequalifi...

Prescreen, prequalification and preapproval. The terms sound similar, but lenders beware. These credit solutions are quite different and regulations vary depending on which product...

Read More What’s the difference between prescreen and prequalification in the world of credit?