Financial Services
By: Wendy Greenawalt The combined impact of rising unemployment, increasing consumer debt burdens and decreasing home values have caused lenders to shift resources away...
By: Kari Michel This blog is a continuation of my previous discussion about monitoring your new account acquisition decisions with a focus on decision management....
By: Tracy Bremmer In our last blog (July 30), we covered the first three stages of model development which are necessary whether developing a...
By: Tracy Bremmer In our last blog, we covered the first three stages of model development which are necessary whether developing a custom or...
There were always questions around the likelihood that the August 1, 2009 deadline would stick. Well, the FTC has pushed out the Red Flag...
By: Wendy Greenawalt When consulting with lenders, we are frequently asked what credit attributes are most predictive and valuable when developing models and scorecards....
By: Tracy Bremmer Preheat the oven to 350 degrees. Grease the bottom of your pan. Mix all of your ingredients until combined. Pour mixture...
By: Kari Michel In my last blog I gave an overview of monitoring reports for new account acquisition decisions listing three main categories that...
By: Wendy Greenawalt On any given day, US credit bureaus contain consumer trade data on approximately four billion trades. Interpreting data and defining how...
Vintage analysis 101 The title of this edition, ‘The risk within the risk’ is a testament to the amount of information that can be...
In recent months, the topics of stress-testing and loss forecasting have been at the forefront of the international media and, more importantly, at the...
By: Kari Michel Are you using scores to make new applicant decisions? Scoring models need to be monitored regularly to ensure a sound and successful...
By: Tracy Bremmer It’s not really all about the credit score. Now don’t get me wrong, a credit score is a very important tool...
— By Kari Michel What is your credit risk score? Is it 300, 700, 900 or something in between? In order to understand what...
As I’ve suggested in previous postings, we’ve certainly expected more clarifying language from the Red Flags Rule drafting agencies. Well, here is some pretty...