Tag: VantageScore
A surprising occurrence is happening in the consumer credit markets. Bank card issuers are back in acquisition mode, enticing consumers with cash back, airline points...
By: Tracy Bremmer Score migration has always been a topic of interest among financial institutions. I can remember doing score migration analyses as a consultant...
By: Kari Michel In January, Experian announced the inclusion of positive rental data from its RentBureau division into the traditional credit file. This is great...
By: Kari Michel Lending institutions are more challenged today than ever before when assessing credit risk to find creditworthy consumers. Since 2006, the start of...
By: Staci Baker As we approach the end of the year, and the beginning of holiday spending, consumers are looking at their budgets to...
By: Kari Michel How are your generic or custom models performing? As a result of the volatile economy, consumer behavior has changed significantly over the last...
By: Staci Baker As the economy has been hit by the hardest recession since the Great Depression, many people wonder how and when it...
By: Kari Michel Credit risk models are used by almost every lender, and there are many choices to choose from including custom or generic models. ...
By: Staci Baker With the increase in consumer behaviors such as ‘strategic default’, it has become increasingly difficult during the past few years for...
By: Kari Michel Credit quality deteriorated across the credit spectrum during the recession that began in December, 2007. As the recession winds down, lenders...
A common request for information we receive pertains to shifts in credit score trends. While broader changes in consumer migration are well documented –...
In the past few days I’ve read several articles discussing how lenders are taking various actions to reduce their exposure to toxic mortgages –...
As the economic environment changes on what feels like a daily basis, the importance of having information about consumer credit trends and the future...
In a recent presentation conducted by The Tower Group, “2010 Top 10 Business Drivers, Strategic Responses, and IT Initiatives in Bank Cards,” the conversation...
A recent New York Times (1) article outlined the latest release of credit borrowing by the Federal Reserve, indicating that American’s borrowed less for the ninth-straight month...