Credit Lending
By: Kari Michel Credit risk models are used by almost every lender, and there are many choices to choose from including custom or generic models. ...
By: Staci Baker With the increase in consumer behaviors such as ‘strategic default’, it has become increasingly difficult during the past few years for...
By: Kari Michel The Federal Reserve’s decision to permit card issuers to use income estimation models to meet the Accountability, Responsibility, and Disclosure (CARD)...
By: Kari Michel Credit quality deteriorated across the credit spectrum during the recession that began in December, 2007. As the recession winds down, lenders...
By: Wendy Greenawalt The auto industry has been hit hard by this Great Recession. Recently, some good news has emerged from the captive lenders, and...
By: Staci Baker With the shift in the economy, it has become increasingly more difficult to gauge — in advance — what a consumer is...
Since 2007, when the housing and credit crises started to unfold, we’ve seen unemployment rates continue to rise (9.7% in March 2010 *) with...
A common request for information we receive pertains to shifts in credit score trends. While broader changes in consumer migration are well documented –...
By: Wendy Greenawalt Optimization has become somewhat of a buzzword lately being used to solve all sorts of problems. This got me thinking about what...
Recently, the Commerce Department reported that consumer spending levels continued to rise in February, increasing for the fifth straight month *, while flat income...
By: Wendy Greenawalt In my last few blogs, I have discussed how optimization can be leveraged to make improved decisions across an organization while considering...
By: Wendy Greenawalt Financial institutions have placed very little focus on portfolio growth over the last few years. Recent market updates have provided little...
By: Kari Michel Lenders want to find new customer through more informed credit risk decisions and use new types of data relationships to cross-sell. ...
By:Wendy Greenawalt In my last few blogs, I have discussed how optimizing decisions can be leveraged across an organization while considering the impact those decisions...
By: Wendy Greenawalt Marketing is typically one of the largest expenses for an organization while also being a priority to reach short and long-term...