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Credit Cornerstone Weekly Credit Trends and Data Intelligence
Look beyond the economic volatility and re-enter the market with confidence
March 10, 2011

Creating models using data blended from two different time frames in the recent lending environment improves predictive performance, allowing lenders to look beyond the economic volatility of recent years and re-enter the market with confidence.

Using a development sample from the extended window of 2006 to 2008 and 2007 to 2009, developers of VantageScore® 2.0 were able to capture an expansive set of consumer behaviors across the full spectrum of economic events, reducing algorithm sensitivity to highly volatile behavior that can be found in a single time frame, extending performance stability.

View a recent Webinar on how to improve risk prediction.

Source: Experian–Oliver Wyman Market Intelligence Reports

Don't forget to join us today during our upcoming webinar, featuring even more credit trends from the Q4 2010 Experian–Oliver Wyman Market Intelligence Report.

February 2011
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