New Benchmark Data Shows Positive Trend: Email Engagement Rates Are Improving Despite Significant Increases in Volume

Posted on Dec 23 2015 by

ExperianMarketing_q3 2015 email benchmark_CHART Volume variance by industry YOY

Email volume during Q3 2015 and the 2015 holiday season is up 25 percent over 2014


Experian data shows credit card debt reaches highest level since 2009

Posted on Dec 15 2015 by

Q3 2015 Market Intelligence Brief

Consumers are more confident managing their credit since recession.

Experian released the Q3 today featuring data that highlights consumer credit card debt has now reached its highest level since Q4 2009. Credit card debt levels reached $650 billion in Q3 2015, the highest it has been since Q4 2009 when it was $667 billion.


Sports Cars Zooming, While Hybrids Power Down

Posted on Dec 15 2015 by

Sports car

Environmentally friendly, lower fuel costs and tax incentives. These are all words that describe alternative-powered vehicles, and serve as reasons why many car shoppers flocked to their local dealerships over the past several years with the intent of “going green” with their next vehicle. However, that trend seems to be fading into the past.


Credit Score Competition Would Help Consumers and Reduce Risk

Posted on Dec 10 2015 by

By all accounts, the national housing market in the US stabilized with a recent report showing year-over-year growth at 6.8 percent for October 2015. However, while interest rates remain near all-time lows, it’s estimated that millions of Americans are unable to take advantage of this opportunity because they are unscoreable using the current credit score model mandated by Fannie Mae and Freddie Mac (“the GSEs”).

Under their current guidelines, the GSEs require mortgage lenders to use an older version of a consumer’s FICO credit score when assessing their credit risk. This model is based on data from 1995 to 2000 and unnecessarily excludes millions of qualified borrowers. For instance, VantageScore 3.0 allows for the scoring of 30–35 million more people that are currently un-scoreable under the legacy credit score model.


Experian Data Breach Resolution Debuts Its Third Annual Data Breach Industry Forecast

Posted on Dec 09 2015 by

As data breaches become more prevalent, companies must try to stay ahead of the curve and be prepared to respond to any kind of security incident. In an effort to provide a glimpse into what 2016 could bring, Experian Data Breach Resolution released its third annual Data Breach Industry Forecast white paper.


Data Science Central Interview With Dr. Shanji Xiong, Chief Scientist at Experian’s Global Data Labs

Posted on Dec 09 2015 by

The following interview was conducted by William Vorhies and featured on Data Science Central.

Q: What work does a data scientist do and what knowledge do they need?

A: 90% of the data in the world has been created in the last two years. Data Scientists retrieve, sift, analyze, process, and store all the data according to business or consumer needs. Simply put, Data Scientists convert the collected and analyzed data into business intelligence. Thus, there are multiple attributes a Data Scientist should have. Not only should they have technical expertise and coding capabilities, but they should also have good intuition and communication skills.


Touchless Healthcare is Becoming More Prevalent

Posted on Dec 08 2015 by

The following article was written by Kassandra Kurth, Director of Strategic Initiatives for Experian Health, and featured in Executive Insight:

Telemedicine has transformed the healthcare industry. From rural America, where in-person doctor visits are difficult, to the farthest reaches of the globe, internet technology allows doctors to visit the sick, diagnose illness, prescribe medicine and even perform surgery without ever actually touching a patient. The recent focus of healthcare automation for providers has been on electronic clinical documentation, but providers also have opportunities to automate revenue cycle functions.


How We Make Big Data an Even Bigger Force for Good

Posted on Dec 07 2015 by

Through Experian’s long-standing partnership with the UCI Paul Merage School of Business, I had the pleasure of participating recently in UCI’s Distinguished Speaker Series. I spoke about the role big data plays in today’s economy, and how data is being used as a force for good. My message to the 300+ attendees was clear – […]