Experian News Issue 5 January 2010

Experian® Expertise for your business



Financial Literacy reduces your costs by lowering the risk of loss
Experian® recently went back to the classroom to help meet the challenges of teaching personal finance in hard economic times. Given the current economic environment, financial literacy is now an important focus for our clients and a subject under close scrutiny by government agencies and regulators.

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Can you determine a borrower’s "ability to pay"?
When the Federal Reserve Board (FRB)–proposed rules implementing the Credit Card Act become effective on Feb. 22, 2010, credit card issuers will be required to consider a borrower’s ability to pay when making lending decisions. Issuers will be prohibited from ...

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 Understanding the effects of loan modifications versus defaults on credit scores
During these challenging economic times, having greater insight into consumer behavior can help lenders protect themselves and better advise customers weighing the consequences of a loan default, a ...

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 The Washington Post reports on study of strategic defaulters
With their concerns fueled by rumors and facts, lending decision makers in the nation’s flagging real-estate industry need to know the truth about borrowers who are strategically defaulting on their home loans.

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Also In This Issue:
Industry Trends
  Do recent card vintages show troubling trends?
Access industry insights from The Experian-Oliver Wyman Market Intelligence Reports

Experian Expertise
  The Washington Post
Good Credit Scores, Deadbeat Choices
Kenneth R. Harney, September 19, 2009
  Subprime Auto Finance News
Experian Offers Used-Vehicle Market Snapshot
Jennifer Reed, November 12, 2009
  The New York Times
EBay Motors Offering Free Vehicle History Report
Christopher Jensen, November 12, 2009
  Forbes.com
States With The Most Expensive Cars
Hannah Elliott, November 6, 2009
  Press release:
Experian Introduces Products That Assist Lenders in Determining Consumers’ "Ability to Pay"
  Time.com
Why the Loan-Modification Program Isn't Working
Barbara Kiviat, December 04, 2009

Complimentary Webinars
  Do you have the right tools to determine consumers' ability to pay?
Get ahead of the Credit Card Act, effective on Feb. 22, 2010.
  Experian study: Assessing credit union member risk in the new economy
  Hope is not a risk management strategy

Other Newsletters
Experian Insight
Fraud Advisor
New Horizons
Product Spotlight
  Corporate Linkage connects the branches of a corporate
family tree
  Accelerate your sales potential with the predictive power of enhanced iScreenSM

Client Corner
Do your customers have questions?
Ask Experian

This issue’s featured topic:
  Original delinquency date drives data deletion

Experian Newsletter Survey
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