Securely Access Your Social Security Earnings and Benefit Information Online

Posted on May 17 2012 by

Secure and convenient online access to your Social Security earnings and benefit information is available due in part to fraud prevention services that help the U.S. Social Security Administration (SSA).

The SSA uses Experian fraud prevention services to securely authenticate and safeguard the identities of consumers who now have online access to their Social Security earnings and benefit information through the SSA’s new online Social Security Statement.

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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.

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CFPB Privilege Issue Debated by Policymakers

Posted on May 16 2012 by


Recently there has been one area of Consumer Financial Protection Bureau (CFPB) reform that has gained support from Republicans and Democrats in Congress, as well as the CFPB Director himself: ensuring the confidentiality of privileged information that financial institutions provide to the bureau.

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How PowerCurve Decision Management Software Helps Businesses

Posted on May 15 2012 by


We recently announced the availability of PowerCurve, the new decision management software portfolio, which helps organisations manage and grow their portfolios by improving the way they use information to make customer decisions.

PowerCurve builds on more than 30 years of experience that Experian has providing organizations across the globe with expert decisioning tools. It is equipped with some of the most advanced decision analytics capabilities in the market today.

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Move Forward Into Dynamic Decisioning with PowerCurve

Posted on May 11 2012 by

For those of you who did not attend Experian’s Vision Conference this week, you may have missed an opportunity to learn how to drive profitable growth by leveraging the PowerCurve software to make accurate, analytics-based decisions quickly, efficiently and repeatedly to acquire, manage and grow your customer relationships. However, it’s not too late for you to catch up.

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New Online Tool Helps Small Businesses Improve Cash Flow

Posted on May 10 2012 by


Earlier this week, Experian launched BusinessIQ Express, a new online tool designed to help small businesses improve cash flow by helping them make more informed decisions about their business relationships. Learn how this new tool can help small businesses.

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FTC Privacy Report Proposes Framework for Industry to Follow

Posted on May 10 2012 by


On March 26th, the Federal Trade Commission (FTC) released its highly anticipated final reports on consumer privacy, entitled “Protecting Consumer Privacy in an Era of Rapid Change.”

In their final report, the Commission applauded industry’s efforts towards strengthening industry self-regulations—including the Digital Advertising Alliance’s Self Regulatory Program for Online Behavioral Advertising—but called on industry to do more to protect consumer privacy.

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Experian News from Vision 2012 – Wednesday Morning Show

Posted on May 09 2012 by


On the final day of Vision 2012, we talk with Michele Raneri, vice president, analytics, to analyze one of the industry’s most pressing issues: financial stress of the American consumer. We also get some key takeaways from Vision 2012 from Kerry Williams, Experian group president.

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Experian News from Vision 2012 – Tuesday Evening Show

Posted on May 08 2012 by


This Experian TV episode kicks off with a review of some of the key priorities of the CFPB and looks at some of the programs it is planning to develop. We also sit down with Keir Breitenfeld, senior director, fraud and identity solutions, to discuss fraud detection, and we go one-on-one with Amy Hysell from Arizona Federal Credit Union to look at how a troubled portfolio can be turned around using Experian tools.

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The Randomness of Credit Card Fraud and How to Prevent It

Posted on May 08 2012 by


We’ve all seen news clip of a tornado that twisted down a street, destroyed one house, missed the next two then demolished another block or two of people’s lives. Credit card fraud is equally indiscriminate.

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Mortgage Lending Still Under the Microscope – Vision 2012

Posted on May 08 2012 by

As more Americans emerge from the economic depths of the recession, they’re reminded by one significant fact: not all consumers reduced their debt burdens during 2011. Super-prime VantageScore® consumers — those with scores of 901 to 990 — actually increased debt by $100 billion from Q4 of 2010, notably in new mortgage, bankcard and auto debt.

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Experian Vision 2012 – Tuesday Morning Show

Posted on May 08 2012 by


To gear up for the second full day of Vision 2012, we chat with Kerry Williams, Experian group president, to discuss how clients can achieve growth using three key strategies. Check out the video to see his recommendations.

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Experian News from Vision – May 7, 2012

Posted on May 08 2012 by


The first day of Vision 2012 covered numerous topics and offered attendees many new industry insights. In this episode of Experian TV, we catch up with Steve Wagner, president, consumer information services, to discuss universe expansion and strategies to find new consumers, and Tony Hadley, senior vice president, government affairs, to review consumer financial literacy and the CFPB. We also sit down with Andy Sheehan, senior vice president of marketing, to discuss this year’s Vision theme: growth.

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The Lifespan of a Fraudster – Vision 2012

Posted on May 07 2012 by


The lifespan of a fraudster is short, but prolific. It typically takes about seven days to wreak millions of dollars of damage across a wide network of unsuspecting customers. The fraudsters begin by sending tens of thousands of emails to unsuspecting folks—your customers. They politely ask them to log-in to their bank account to confirm their password.

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Consumer Credit Trends: The Ups, The Downs – Vision 2012

Posted on May 07 2012 by


Unemployment remains high nationally, though consumer spending is steadily increasing.
Housing remains a stumbling block for the economy, while loan delinquencies show signs of improvement for most lines of business. What does this all mean?

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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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