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The Recipe to a Strong Model Development (Part 1)...

By: Tracy Bremmer Preheat the oven to 350 degrees. Grease the bottom of your pan. Mix all of your ingredients until combined. Pour mixture...

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Monitoring your new account acquisition decisions: po...

By: Kari Michel In my last blog I gave an overview of monitoring reports for new account acquisition decisions listing three main categories that...

Read More Monitoring your new account acquisition decisions: population stability
How organizations can benefit from new credit bureau d...

By: Wendy Greenawalt On any given day, US credit bureaus contain consumer trade data on approximately four billion trades. Interpreting data and defining how...

Read More How organizations can benefit from new credit bureau data
Vintage Analysis 101 | The Risk within the Risk...

Vintage analysis 101 The title of this edition, ‘The risk within the risk’ is a testament to the amount of information that can be...

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Something Old, Something New...

— by Jeff Bernstein So, here I am with my first contribution to Experian Decision Analytics’ collections blog, and what I am discussing has...

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Clarifying Risk Terminology...

By: Tom Hannagan Some articles that I’ve come across recently have puzzled me. In those articles, authors use the terms “monetary base” and “money...

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Challenges with creating tri-bureau credit attributes...

By: Wendy Greenawalt Today, most lenders evaluate tri-bureau credit data when making lending decisions. Credit attributes are the building blocks for creating models, scorecards,...

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Benchmarking – A Foundation for Success...

In recent months, the topics of stress-testing and loss forecasting have been at the forefront of the international media and, more importantly, at the...

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Monitoring your new account acquisition decisions: Ov...

By: Kari Michel Are you using scores to make new applicant decisions? Scoring models need to be monitored regularly to ensure a sound and successful...

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Tri-bureau Capabilities...

By: Wendy Greenawalt The US has the most extensive credit bureau data in the world. The available credit data is vast and very complex...

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Beyond the score: What lenders use in decisioning bey...

By: Tracy Bremmer It’s not really all about the credit score. Now don’t get me wrong, a credit score is a very important tool...

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Score range misconception...

— By Kari Michel What is your credit risk score?  Is it 300, 700, 900 or something in between?  In order to understand what...

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More clarifying language from the drafting agencies...

As I’ve suggested in previous postings, we’ve certainly expected more clarifying language from the Red Flags Rule drafting agencies.  Well, here is some pretty...

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FTC’s Red Flags enforcement deadline extension i...

We at Experian have been conducting a survey of visitors to our Red Flag guidelines microsite (www.experian.com/redflags). Some initial findings show that approximately 40 percent of...

Read More FTC’s Red Flags enforcement deadline extension is helping many institutions
August 1st deadline may be ahead of you, but certain c...

As most industry folks are aware, the FTC recently pushed out their Red Flags Rule enforcement deadline to August 1, 2009. It is important...

Read More August 1st deadline may be ahead of you, but certain compliance requirements are in place today