ISSUE 13 | January 2012

Dear %%FIRST_NAME%%,

The race is on. The unemployment rate is dropping and forward-thinking, innovative lenders are now expanding their view beyond prime and super-prime customers to grow their portfolios.

The terrain is still a bit uncertain. However, lenders with the right tools and data can begin to lend with confidence to the near-prime segment and emerge quickly over the next 18 months as leaders in portfolio growth.

Of course, no one wants to repeat the past, so it's important that as you begin to explore the segments below prime you know you have tools and methods that help you comply with the latest regulations. As a trusted partner, Experian can help you navigate this new territory.

In this issue, I have included articles on our Trended SolutionsSM products, which provide a full view of a consumer ’s history. These capabilities can help you to grow your portfolio by targeting the most-desirable customers with the best offers, rates or customized rewards programs.

In a similar break from the past, old-style broad marketing blasts can carry too much uncertainty in today's market. How can you target the right consumer with the right product at the most appropriate time? Gain new insight into Experian's valuable acquisition marketing strategies.

And last, do you understand the effect of President Obama's appointment of Richard Cordray as the Director of the Consumer Financial Protection Bureau? You can gain insider insight to the situation on Capital Hill from our article on the Bureau's next steps now that a director is in place.

We want to know what you think about these recent changes in the bureau. Read more to see how this will affect your business in 2012, and then take our poll. Thanks for your loyal readership and I am confident you will find the content of value.
CFPB establishes its first priorities for 2012
Now that the CFPB has a director, it now has full authority over the existing consumer protection laws. Read more to see how this will affect your business.
Read the full article
Prospecting in the 2012 lending landscape
With the prime and super-prime consumer segments saturated with offers and shrinking in volumne, the new year is proving to be a time of opportunity for credit marketers seeking to expand their marketable universe.
Read the full article
Understanding behavioral trends helps lenders target the most profitable customers
Customers don't have equal value. Portfolio managers with deeper insight into the specifics of a consumer's credit history can develop a better roadmap for the future.
Read the full article

Lenders are increasing loans to credit-challenged customers.
According to Experian's quarterly analysis, 21.87 percent of all new vehicle loans went to customers in the nonprime, subprime and deep subprime categories.
Read the press release or join our Webinar.
Delinquencies plague US businesses
U.S. businesses increased the time it takes to pay their bills throughout Q3 2011. See Experian's Business Benchmark Report for a detailed look at the health of U.S. businesses based on four key indicators.
View the report
Read the full Wall Street Journal Article

Best Practices Forum

Compete for customers and reduce losses with advanced data
Credit marketers are gaining greater value from data and decisioning products by lowering manual review costs and providing flexible, real-time access to more data sources, attributes, scores and analytics.
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Ponemon Reputation Impact Study
Companies with strong incident response plans are able to react more quickly when a data breach occurs, preventing further data loss and minimizing customer backlash.
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Free data breach app
Do you have a data breach response plan at your fingertips? Arm yourself with the free mobile data breach app from Experian.
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Client Corner

Put your holiday debt knowledge to the test!
Answer three trivia questions the first 25 respondents will receive a complementary Experian to-go cup!
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Leverage our expertise for operational, industry and credit risk-management principles and practices. Our consultants are dedicated to creating measurable and sustainable value for organizations around the globe in financial services.
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In the News
U.S. companies are courting subprime borrowers again.
"No one wants to repeat the past, but lenders are trying to take some educated chances."
Read the full Wall Street Journal article

A good rental history can help borrowers qualify for mortgages.
"Almost half of those higher-risk consumers experienced an increase of 100 points or more after their positive rental history was added."
Read the full New York Times article

One-on-one credit education service debuts
Credit columnist Jeremy M. Simon writes about his personal experience using the live, telephone-based Experian Credit EducatorSM service.
Read the full Yahoo! News article

Client Success: Collections
Collections notification tool yields incredible ROI
Hear how one debt collection law firm experienced return on investment exceeding 10,000 percent using Collection TriggersSM and Collection AdvantageSM.
Watch the video

FleetCor Technologies selects Experian Delinquency Notification ServiceSM
FleetCor Technologies, Inc., a worldwide leader in managing and processing commercial fuel cards, has selected Experian's Delinquency Notification ServiceSM to improve its commercial collections efforts and to help proactively notify debtors of delinquent accounts.
Read the press release
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May 6-9, 2012
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DBA International Annual Conference
February 7-9, 2012
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National Collections & Credit Risk Conference
March 14-16, 2012
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The CFPB Collections Panel March 15 will be moderated by David Ingram, Senior Director, Experian. Participants include Tony Hadley, Senior Vice President, Regulatory Affairs, Experian.

Experian Webinars

Unlock the power of historical trade-level credit data and redefine your business strategies.
Customers don't have equal value. The ability to separate and differentiate beyond a risk assessment is vital to providing better service, offering superior rewards, granting higher credit lines and managing profitability.
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Universe Expansion: Growth strategies for today's consumer market
Learn how to redefine your credit marketing strategy to target a wider range of new prospects with the confidence you need to achieve growth targets and manage risk in this volatile economic market.
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Unique insights on consumer credit trends and retail spending
View this webinar and learn about highlights from the Q3 Experian-Oliver Wyman Market Intelligence Report.
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