About Kristine Snyder

Website: http://experian.com

Profile: With a strong background in consumer, business-to-business and high-tech public relations, Kristine Snyder brings more than 17 years and a wide breadth of knowledge and expertise to Experian’s U.S. Credit Services Decision Analytics (CSDA) business. Throughout her career, Kristine has worked for large corporations such as Hewlett Packard, Canon and Epson America, Inc., as well as public relations agencies where she led multiple accounts including the Samsung Electronics ITD account. Snyder graduated from the University of West Virginia, where she earned a B.S. in Journalism and a minor in English.

Posts by Kristine Snyder

Top Mobile Banking Trends

Posted on Dec 17 2014 by

The world of mobile devices is constantly changing—everything is faster, bigger and better, and consumers have become more savvy and discerning about the features and benefits that make their lives more convenient, and in many cases, more manageable.

I use my phone to do everything from simple tasks like checking email or Facebook, to downloading coupons, buying movie and concert tickets, to checking my bank balance and making deposits on the fly (which is such a great feature).


State of Credit 2014

Posted on Nov 18 2014 by

Experian unveiled its fifth annual State of Credit report today, which provides a snapshot of consumers’ credit scores broken out nationally and by local market.

This year’s findings show that the nation’s average VantageScore has improved by two points since last year, coming in at 666. In the city listings, Mankato, MN takes the top spot with a VantageScore of 706 and Greenwood, MS residents have the lowest score of 609 in the study. While the report gives residents of certain cities reason to celebrate their higher scores, the study isn’t meant make the lower cities sing the blues. These types of data-driven insights are meant to help consumers — to give them a reason to be interested in credit, to want to understand and improve their financial well-being, and to become a more savvy credit user and manager.


Experian #FinCon14: Thoughts on the expo, our Plutus win and beignets

Posted on Oct 01 2014 by

Just a little over a week ago, I was in New Orleans surrounded by interesting, engaging and financially-savvy people with a common interest.

All of these people were brought together for FinCon Expo, which took place from September 18-21. It was not only a tremendous financial media community networking event, it was an opportunity to learn, grow and find inspiration.

From the Experian perspective, it was an opportunity to further build and focus on our social channels as a way to reach consumers and provide education and dialog around credit and financial empowerment. The two-day conference featured an expo hall where one could score some great information (along with some cool swag), keynote sessions that were led by powerful speakers like Jeff Goins, Farnoosh Torabi and Chris Ducker, and a full daily schedule packed with educational sessions and panel discussions (and of course, a lot of beignets served along the way).


Perspectives on Debt and Education

Posted on Sep 09 2014 by

The following article is a guest post from Paul Combe, President and CEO of Boston-based American Student Assistance.

According to recent Experian research, student loans were the only type of consumer debt to increase during the recession, growing 84 percent from 2008 to 2014. Today, 40 million Americans carry college loans. The average borrower has nearly four different student loans for a total of $29,000.

Keeping track of multiple loan payments and high debt can mean a rough financial start for newly minted college graduates. Evidence is mounting that student debt could be getting in the way of our economic recovery, as growing numbers of millennials delay forming their own households under the weight of their student debt burden.


Big cities, big debt? [Infographic]

Posted on May 01 2014 by

Debt is often thought of as a scary word and many spend their lives trying to avoid it at all costs. Understanding what credit is, why you need it and how to build it can help make it less frightening and can actually put you in control. Debt doesn’t have to be a four-letter word.

To wrap up Financial Literacy Month, Experian released a study this week that takes an in depth look at debt and credit scores in the 20 largest cities across the U.S. and compares the numbers to where these cities were four years ago. The findings show that Detroit residents have the least amount of debt, while the residents of Dallas have the most.


A Glimpse at the Largest Metropolitan Areas’ State of Credit [Infographic]

Posted on Nov 27 2013 by

Experian’s fourth annual State of Credit features nationwide data on how four different generations are managing their debts. To provide a more detailed picture of how the nation is faring, we also analyzed over 100 Metropolitan Statistical Areas (MSAs).

Below are two snapshots of average credit scores and debt for the largest metropolitan areas. This study is an opportunity for consumers to better understand how credit works so they can make more informed financial decisions and live credit smart even in the face of national economic challenges. View our interactive map to learn more.


Experian helps put the spotlight on financial education

Posted on Nov 08 2013 by

Millions of Americans face economic hardships today due to the financial crisis. The Great Recession made a big impact on the financial lives of consumers. Unemployment was high and many struggled to make ends meet, forcing them to tap into their savings and live off credit to survive. Now that our economy is recovering, we believe that education is the key for consumers to unlock the door that leads to financial success and opportunity.


Experian Credit Educator Service empowers consumers’ through their credit journey

Posted on Oct 24 2013 by

In the personal finance world, credit is one of the hottest topics to talk about and there are many resources available to consumers.

To further empower consumers to take a more active role in managing their credit, Experian provides a number of solid consumer education programs.

As a positive extension to those, in 2011 we developed Experian Credit Educator, a consumer-education service that offers personalized, live, one-on-one, telephone-based credit education sessions to consumers and customers of Experian’s clients.

Experian recently announced that we’ve added new features to this service in order to give consumers insights into specific actions which may produce an improvement to their credit score.


Experian honored by the National Foundation for Credit Counseling for its Commitment to Financial Literacy; CEO earns NFCC’s “Making the Difference” Award

Posted on Oct 14 2013 by

Underscoring Experian’s goal to help consumers and be an advocate for credit education, the National Foundation for Credit Counseling (NFCC) last week awarded Victor Nichols, CEO of Experian North America its “Making the Difference” award from at their Annual Leaders Conference in Denver.

This prestigious award is presented to organizations that have made significant contributions to assisting consumers with financial literacy, awareness and education, furthering the NFCC’s mission, visions and programs through a national presence.

Mr. Nichols attended the conference to accept the award and to speak to the attendees about Experian’s vision and commitment to financial literacy and consumer empowerment.


Why I’m Inspired by Experian’s Latest Leadership Announcement

Posted on Sep 24 2013 by

Sr. Appt. Headshots

Today Experian announced five high-level appointments to its North American Credit Services group. Filling these crucial leadership roles are five seasoned women who have a proven track record of success with Experian. These women include:


Women flexing their financial muscles; women’s credit is in better shape than men’s credit according to Experian

Posted on May 22 2013 by

When it comes to credit, who is winning the battle between men and women? The latest credit trends study, released today from global information services company Experian, compares the financial differences between men and women, revealing that, overall, women are better at managing their money and debt.

For the first time, Experian® analyzed credit scores, average debt, utilization ratios, mortgage amounts and mortgage delinquencies of men and women in the United States. While the national credit scores only vary slightly — with a one point difference — other differences between the population of men and women include the following:

  • Men have 4.3 percent more debt than women
  • Men have a 2 percent higher credit utilization amount
  • Mortgage loan amounts for men are 4.9 percent higher
  • Men have a higher incidence of late mortgage payments by 7 percent

Below is a top-line look at how men and women fared when compared with each other:


Giving Credit a Boost with On-Time Rental Payments

Posted on Mar 01 2013 by

This week, Experian announced its collaboration with payment processor WilliamPaid, which provides renters in any type of property another option for having their rental payment data reported to Experian RentBureau.

WilliamPaid joins Experian’s growing list of rental payment processors, providing more opportunities and options for renters to have their on-time rental payments incorporated into their Experian credit reports. This is not only another step forward for people who are looking to build credit history, but it’s also an opportunity to build credit history for people who are referred to as “underbanked,” or “unscoreable”.


Experian Shares the National Foundation For Credit Counseling‘s Mission of Financial Stability for All

Posted on Feb 06 2013 by

As of 2011, the Hispanic population comprised 16.7% of the United States population, the largest minority group following African-Americans. In addition, 20.3% of U.S. households speak a language other than English. Recognizing the need for expanded financial resources to the Hispanic community, Experian provided a generous grant to translate the NFCC’s MyMoneyCheckUpTM tool into Spanish.


Experian Recognized by the National Foundation for Credit Counseling for its Commitment and Contributions to Financial Education

Posted on Dec 06 2012 by

Experian, the leading global information services company, today announced that its vice president of public education, Maxine Sweet, was recognized by the National Foundation for Credit Counseling (NFCC) with its Making the Difference Award during the organization’s 47th Annual Leaders Conference in Charlotte, N.C., which took place Sept. 30–Oct. 3, 2012.

Introduced in 2005, the NFCC’s Making the Difference Award honors individuals who have made significant contributions to assisting consumers with financial literacy, awareness and education, furthering the NFCC’s mission, vision and programs through a national presence.


Debt Recovery Can Be More Effective with TrueTrace

Posted on Nov 27 2012 by

There are two sides to every story. It’s one of those old clichés you hear time and time again. When I think about the collections process, this is the first thing that comes to mind. You have the consumer or debtor who enters into an agreement to pay for something and at some point, makes the decision not to pay.

It could be a credit card bill or a car payment –or maybe they even forget to pay a library book fine (this actually happened to someone I know!). On the other side, you have the debt collector, who has the task day in and day out, of collecting on the debt the debtor has agreed to pay.


Encouraging Signs of Recovery in Experian’s 2012 State of Credit Report

Posted on Sep 20 2012 by

Everyone seems to be keeping a closer eye on their finances these days and more people are becoming aware of how important it is to know what your credit report looks like.

In the recently released Experian 2012 State of Credit report, we found that the national average credit score is currently 750, which is up one point from 2011.

We also crunched some numbers in more than 100 cities throughout the country and ranked the top 10 and bottom 10 cities according to credit score.


How Experian is Helping Consumers with Little to No Credit History

Posted on Jun 14 2012 by

Did you know that there are 64 million people in the United States that have little or no traditional credit history?

These people are typically referred to as underbanked or underserved consumers and Experian just announced Extended View Score that can help these consumers gain access to credit products and services, which can lead them down the path of building a fuller credit history.


Experian RentBureau to Receive Rental Payment History from Riverstone Residential Group

Posted on May 30 2012 by

Experian® RentBureau®, the leading provider of rental payment history data to the multifamily industry, today announces the agreement of Riverstone Residential Group to contribute its residents’ payment data to Experian RentBureau.


Experian Provides Renters Opportunity to Build Credit with ClearNow®

Posted on May 16 2012 by

Experian®, the leading global information services company, today announced that it has extended its capability to accept rental payment data from individual landlords and property managers through its new collaboration with ClearNow®. Learn more.