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December 2011 December 29, 2011 Delinquent dollars increase by almost 80 percent for large companies December 22, 2011 S&P/Experian Consumer Credit Default Indices show an increase in national index led by first mortgages December 15, 2011 Retail card delinquencies increase across all tiers December 08, 2011 Meeting the new FFIEC Guidelines	October 2011 October 20, 2011 Cleveland, San Antonio and Cincinnati show the most improvement when it comes to making bankcard payments on time October 13, 2011 VantageScore® 2.0 stress test study yields strong results during economically challenging times October 6, 2011 New automotive account openings increase for subprime
September 2011 September 29, 2011 Mid-size businesses weather economic storm while small and large businesses not faring as well September 22, 2011 Four of the top five lenders are now using VantageScore® September 15, 2011 First-party fraud accounts for a quarter of total charge-offs September 8, 2011 Adverse action amendments to increase consumer exposure to credit scores September 1, 2011 Consumer delinquency rates on bankcards declining	August 2011 August 25, 2011 Are student loan delinquencies on the rise? August 18, 2011 Automotive delinquencies reach lowest level over the past year August 11, 2011 Bankcard utilization rates are improving for all but one VantageScore® tier August 4, 2011 Consumer Financial Protection Bureau is now responsible for enforcing consumer protection laws
July 2011 July 28, 2011 Mortgage strategic defaults significantly higher in areas with largest price declines July 21, 2011 To what extent are home prices really falling again? July 14, 2011 Mortgage strategic defaults significantly higher in areas with largest price declines July 7, 2011 Bankcard debt levels decline to early 2006 levels	June 2011 June 23, 2011 Are automotive loan delinquencies decreasing? June 9, 2011 Vehicle title history impacts loan performance June 2, 2011 Latest delinquency trends show improvement
May 2011 May 26, 2011 Consumer payments decreasing May 19, 2011 Consumer payments decreasing May 12, 2011 New rules create new opportunities May 5, 2011 Number of newly opened bankcards increasing	April 2011 April 28, 2011 Bankcard debt levels decline to early 2006 levels April 21, 2011 Uniform data breach notification April 14, 2011 Auto lenders increase lending to subprime consumers April 7, 2011 Consumers are feeling the squeeze from holiday purchases
March 2011 March 31, 2011 Risk scores improve for very large businesses March 24, 2011 Delinquent balances for mortgages also impacting credit unions March 17, 2011 Percentage of delinquent dollars showed dramatic increase in Q4 2010 March 10, 2011 Look beyond the economic volatility and re-enter the market with confidence March 3, 2011 Consumer balances increase on home-equity lines, reduce for bankcards	February 2011 February 24, 2011 Overcome your credit risk business challenges head-on February 17, 2011 Bankcard debt levels decline to early 2006 levels February 10, 2011 U.S. businesses showing signs of stabilization February 3, 2011 Maintain compliance: Risk Based Pricing Rule
January 2011 January 27, 2011 Consumer credit varies by metro area January 20, 2011 Loan growth spurred by lenders' loosening criteria January 13, 2011 Loan originations grow by as much as 30 percent January 6, 2011 Auto lender increases one-year campaign net profit	December 2010 December 30, 2010 Using data from blended time frames produces greater score stability over time December 23, 2010 Consumers are paying less on monthly payments than three years ago December 16, 2010 Home-equity line originations increase in Q2 2010
November 2010 November 23, 2010 The business of identity theft rings November 18, 2010 CFPB and Consumers Union issue agenda November 11, 2010 U.S. businesses are paying bills more slowly November 4, 2010 White House releases draft strategy to fight online fraud	October 2010 October 28, 2010 Consumer debt continues to decline in uncertain times for lenders and consumers October 21, 2010 Consumers with first-time delinquencies more likely to charge off October 14, 2010 Automotive lending showing positive movement in recent quarters October 07, 2010 Are you ready to comply with the FTC's new Risk-Based Pricing Rule?
September 2010 September 30, 2010 Strategic defaults remain high, but relief may be in sight September 23, 2010 First half of 2010 shows major improvement in risk scores for very large businesses September 16, 2010 Super–prime consumers are more likely to undergo strategic default September 9, 2010 Portrait of a fraud victim: who's most at risk September 2, 2010 Consumers are opening fewer credit cards than they were three years ago	August 2010 August 26, 2010 Automotive loan balances decrease August 19, 2010 A Growing number of consumers attempt to remain current on their mortgages August 12, 2010 Consumer debt levels continue to decline August 5, 2010 Compliance deadline for a new Risk-Based Pricing Rule is quickly approaching
July 2010 July 29, 2010 New bankcard credit availability remains low July 15, 2010 Retail card lending seems relatively unaffected by economic conditions July 22, 2010 Available credit hits an all-time low July 8, 2010 Automotive lenders still exhibit caution July 1, 2010 Possible double dip in housing in some U.S. regions	June 2010 June 24, 2010 Decrease in automotive delinquency rates could be an early sign June 17, 2010 Las Vegas leads in both mortgage delinquencies and investor foreclosures June 10, 2010 Portrait of a fraud victim – who's most at risk June 3, 2010 Bankcard credit limit changes caused no adverse effect among consumers
May 2010 May 6, 2010 Despite economic doom and gloom, 60 million creditworthy borrowers exist May 13, 2010 Consumer balances are declining by as much as 8.4 percent May 20, 2010 March 2010 consumer bankruptcy filings soar May 27, 2010 Mortgage delinquency rates vary widely in the United States	April 2010 April 1, 2010 New attributes can provide significant lift in acquisition models April 8, 2010 Better ways to improve acquisition campaign performance April 15, 2010 Newly opened bankcard accounts reflect overall trend of reduced use April 22, 2010 Automotive originations increase across the credit spectrum April 29, 2010 Mortgage lenders continue to tighten standards
March 2010 March 4, 2010 Captive auto lenders are gaining market share March 11, 2010 Subprime bankcard limits decline March 18, 2010 All risk levels experiencing an increase in auto loan delinquencies March 25, 2010 Changing bankcard trade origination terms	February 2010 February 4, 2010 Subprime automotive lending increases February 11, 2010 Recent mortgage vintages show improved performance February 18, 2010 Consumers continue to reduce outstanding debt February 25, 2010 New bankcard account delinquency trends worsen
January 2010 January 7, 2010 Are mortgage delinquencies stabilizing? January 14, 2010 Your opinion in two minutes January 21, 2010 Which consumers continue to migrate to lower scores? January 28, 2010 Are captive auto lenders changing course?

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