The State of the Mortgage Industry – Vision 2012

Posted on May 07 2012 by

Mortgage industry trends have already been a huge topic of discussion at Vision 2012. Although we’re seeing signs of recovery in the auto and bankcard lending sectors, when it comes to mortgage we’re clearly not out of the woods yet.

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Experian Addresses State of U.S. Credit Markets and More in New White Papers

Posted on May 07 2012 by


Our Vision 2012 conference white papers are now available for free download. Here is our complete list of 8 studies you can download now.

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Getting Ready for Vision 2012

Posted on May 07 2012 by


Hundreds of business leaders, risk officers and credit managers are gathering this week in Scottsdale, Arizona for Experian’s annual must-attend industry event Vision 2012. Over the course of three days, this group will hear from dozens of experts on new ways to improve business performance and make the most informed decisions. This blog will publish regular updates from the conference.

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Cable Viewership in the U.S. & Demographic Segmentation

Posted on Apr 25 2012 by

As part of Advertising Age’s American Consumer Project, Matt Carmichael (Director of Information Projects at Advertising Age) recently reported on “How the U.S. Watches Cable.” The coverage, and supporting map/infographic, offer some revealing analysis around cable television viewership with relation to demographic segmentation, with the map providing a snapshot of viewership by County. Experian Marketing Services contributed data and analysis.

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Economy Up. Economy Down. Which Way Do We Go?

Posted on Apr 24 2012 by


I opened a few of my daily newspapers this morning (yes, the print kind!), and pondered some seemingly conflicting messages. In the Wall Street Journal, I saw the headline “Economic Reports Fan Fears.” In the New York Times, the top business story read “In a Shift, Debt Levels are Falling,” noting that American consumers are reducing their debt.

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Report Finds High level of Compliance with Online Behavioral Advertising Self-Regulations

Posted on Apr 18 2012 by


Last month, the Network Advertising Initiative (NAI)—a coalition of more than 80 leading online marketing companies—released its 2011 annual report reviewing efforts in online advertising self-regulation. In the annual report, which is required by the NAI’s self-regulatory Code of Conduct for Online Behavioral Advertising (OBA), the NAI reviewed the practices of member companies with regards to the collection, use and disclosure of data for OBA purposes.

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Congress Focuses on Protecting Use of Death Master File Records

Posted on Apr 15 2012 by


The Death Master File (DMF) is a database operated by the Social Security Administration (SSA) that contains over 87 million records with information on persons who had Social Security numbers and whose deaths were reported to the SSA from 1962 to the present. The DMF is considered a public document under the Freedom of Information Act, and monthly and weekly updates of the file are made available through the Department of Commerce.

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Now That the CFPB Has Arrived, What’s First on Its Agenda?

Posted on Apr 12 2012 by


The Consumer Financial Protection Bureau (CFPB) has been busy hiring staff and building a regulatory agency from the ground up since July 21, 2011, when it assumed full rulemaking, enforcement and supervisory authority over 18 of the nation’s consumer protection laws that guide financial products and services, including the Fair Credit Reporting Act, the Equal Credit Opportunity Act, The Truth in Lending Act and the Fair Debt Collection Practices Act.

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Experian Study Finds Vehicle History Has Major Impact on Loan Performance

Posted on Apr 07 2012 by


A recent Experian Automotive credit trends study revealed that vehicle history can have a major impact on loan performance. The study found that more than 2 percent of the late-model used vehicles (model year 2005 and newer) had a negative vehicle history event (frame damage, salvage, odometer rollback, etc.), which can significantly impact the vehicle’s value.

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The Changing Privacy Landscape: What’s At Stake?

Posted on Apr 04 2012 by


Consumer information is at the center of our economy. It connects us to the right products and services, helps companies innovate and expand, and allows consumers to make smarter choices throughout their lives. While the use of consumer information is becoming more important to businesses and consumers, there is a growing concern among policy makers that the laws governing consumer privacy are not keeping up.

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Experian Provides Consumers with Helpful Resources

Posted on Apr 03 2012 by


Many consumers simply do not understand what a credit report, credit score or id theft is until they have either been denied a loan or fallen victim to fraud. As part of Experian’s Live Credit Smart program, the company offers consumers information on the specific areas that they need to live credit smart.

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