Credit Lending

The value of a good decision can generate $150 or more in customer net present value, while the cost of a bad decision can...

November 13, 2009 by Roger Ahern

By: Kari Michel Most lenders use a credit scoring model in their decision process for opening new accounts; however, between 35 and 50 million...

November 4, 2009 by Guest Contributor

Recent findings on vintage analysis Source: Experian-Oliver Wyman Market Intelligence Reports Analyzing recent vintage analysis provides insights gleaned from cursory review Analyzing recent trends...

November 2, 2009 by Kelly Kent

By: Wendy Greenawalt In the last installment of my three part series dispelling credit attribute myths, we’ll discuss the myth that the lift achieved...

October 23, 2009 by Guest Contributor

By: Wendy Greenawalt In the second installment of my three part series, dispelling credit attribute myths, we will discuss why attributes with similar descriptions...

October 21, 2009 by Guest Contributor

By: Wendy Greenawalt This blog kicks off a three part series exploring some common myths regarding credit attributes. Since Experian has relationships with thousands...

October 20, 2009 by Guest Contributor

When reviewing offers for prospective clients, lenders often deal with a significant amount of missing information in assessing the outcomes of lending decisions, such...

October 11, 2009 by Kelly Kent

By: Kristan Keelan What do you think of when you hear the word “fraud”?  Someone stealing your personal identity?  Perhaps the recent news story...

September 24, 2009 by Guest Contributor

In a recent article, www.CNNMoney.com reported that Federal Reserve Chairman, Ben Bernanke, said that the pace of recovery in 2010 would be moderate and...

September 24, 2009 by Kelly Kent

Analysis opportunity for vintage analysis Vintage analysis, specifically vintage pools, present numerous useful opportunities for any firm seeking to further understand the risks within specific portfolios....

September 4, 2009 by Kelly Kent

— by Heather Grover I’m often asked in various industry forums to give talks about, or opinions on, the latest fraud trends and fraud...

August 30, 2009 by Guest Contributor

By: Kari Michel Bankruptcies continue to rise and are expected to exceed 1.4 million by the end of this year, according to American Bankruptcy...

August 28, 2009 by Guest Contributor

By: Wendy Greenawalt In my last blog post I discussed the value of leveraging optimization within your collections strategy. Next, I would like to...

August 23, 2009 by Guest Contributor

By: Kari Michel This blog completes my discussion on monitoring new account decisions with a final focus: scorecard monitoring and performance.  It is imperative...

August 18, 2009 by Guest Contributor

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....

August 6, 2009 by Guest Contributor