Debt Management/Collections

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Is trended data predictive?...

Sometimes life throws you a curve ball. The unexpected medical bill. The catastrophic car repair. The busted home appliance. It happens, and the killer...

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Could a virtual negotiator enhance your collections ef...

It should come as no surprise that reaching consumers on past-due accounts by traditional dialing methods is increasingly ineffective.  The new alternative, of course,...

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Understanding and knowing how to use trended data...

Knowing a consumer’s credit information at a single point in time only tells part of the story. I often hear one of our Experian...

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HELOC end-of-draw period peaking for lenders – n...

Ten years after homeowners took advantage of a thriving real-estate market to borrow against their homes, many are falling behind on payments, potentially leaving...

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Top moments to assess a customer’s “ability to pay”...

 All customers are not created equally – at least when it comes to one’s ability to pay. Incomes differ, financial circumstances vary and economic...

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What is the difference between MLA and SCRA?...

The U.S. military presently includes an estimated 1.46 million active personnel and 1.1 million active reserve personnel. And like so many government agencies, it...

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Day 1, Vision 2016: Top 10 Takeaways...

It’s impossible to capture all of the insights and learnings of 36 breakout sessions and several keynote addresses in one post, but let’s summarize...

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Why fintech lenders are snatching up more personal loa...

It’s hard to remember a world without online lenders. Today, fintech players continue to pop up, making it easier to cross-shop loans and land...

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The No. 1 Tactic to Optimize Your Collections...

Every portfolio has a set of delinquent customers who do not make their payments on time. Truth. Every lender wants to collect on those...

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Top Collection Triggers to Implement This Tax-Return S...

The new year has started, the champagne bottles recycled. Bye-bye holidays, hello tax season. In fact, many individuals who are expecting tax refunds are...

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Data governance — Following the doctor’s orders is the...

This is the third post in a three-part series. Experian® is not a doctor. We don’t even play one on TV. However, because of our unique business model and experience with a large number of data providers, we do know data governance. It is a part of our corporate...

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Auto Lending Naysayers Are Neglecting Key Facts...

This is the first of a two part blog about the state of auto lending in the U.S. In 2014, auto lending has received increased media attention. Unlike other forms of consumer lending, auto lending has been booming. This lending has powered spending and has been an important driver...

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