Market Trends

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Bankcard utilization rates declining, but still high f...

Not surprisingly, bankcard utilization is the highest among subprime consumers with VantageScore D and F tiers having average bankcard utilization rates of 68% and...

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Bankcard and mortgage default rates hit new lows...

The August 2012 edition of the S&P/Experian Consumer Credit Default Indices showed that bankcard, first-mortgage and second-mortgage default rates hit new post recession lows....

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Study ranks cities with the highest credit scores...

In Experian’s recent State of Credit study which analyzes credit scores in more than 100 cities, Minneapolis took the number one spot, with an...

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Bankcard balances increase for prime credit score tier...

The average bankcard balance per consumer in Q2 2012 was $4,170, which is 4 percent higher when compared to the same quarter of the...

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Economy shows signs of stalling, while small-business ...

The Experian/Moody’s Analytics Small Business Credit Index edged up 0.9 points in Q2 2012, to 104.1 from 103.2. High-level findings from the Q2 report...

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How to drill deeper into your portfolio...

The pressures for both credit unions and banks, to generate returns to drive greater earnings are ever present. According to recent data released by...

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Impact of Basel III on capital requirements...

The cumulative effect of Basel III is expected to have a substantial impact on capital requirements. The total minimum regulatory capital will increase from...

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Survey measures consumer knowledge of credit scores...

A recent survey of 1,000 representative American consumers showed that while 78 percent of respondents are aware that they have more than one credit...

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Underbanked population continues to grow...

The dramatic transformation of the financial services industry requires new advances and innovation in credit strategies to respond to the growing number of underbanked...

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Study shows significant increase in credit limits...

Year over year retail spend continues to trend up, translating into Bankcard balance growth and new originations. New Bankcard volumes (limits) came in at...

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Average lending decision turnaround varies across fina...

The average turnaround time to make a lending decision varies materially between financial institutions. Institutions with low-level automation are typically less competitive on price...

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Regulators stress the importance of model validation...

As part of its expanded guidance, the Office of the Comptroller of the Currency explicitly recommends that financial services firms utilizing predictive models and...

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Mortgage delinquency rate lowest in a decade?...

A vintage analysis comparing 60 or more days past due (DPD) delinquency performance at the one-year mark for mortgages originated between 2002 and 2010...

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Average bankcard balances increasing...

The average bankcard balance per consumer rose to $4,359 in Q1 2012 – an 8 percent increase from the previous quarter. The increase resulted...

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Collections in today’s world: five steps for suc...

The economy is accelerating at a sluggish pace, and world headlines cause business leaders to swing between optimism and pessimism daily. Risk managers must...

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