Credit & Risk

Many consumers would give the right bank or retailer their data in exchange for personalized marketing offers in their inbox, social feeds and mailbox.

Reject inference design is used to classify the performance outcome of prospective customers within the declined or nonbooked population so this population’s performance reflects its performance had it been booked.

Holiday spend for 2017 was healthy, translating into big business for credit card portfolios. But how do card companies keep the business in 2018?

The U.S. Senate Banking Committee passed a financial regulatory relief bill recently, which will impact credit reporting in the new year. Learn what changes are to come.

The phrase swap set refers to “swapping out” a set of customer accounts and replacing them with, or “swapping in,” a set of good customer accounts.

Vince Passione, founder and CEO of LendKey, comments on the state of student lending and how the space is evolving for both consumers and lenders.

As we enter the holiday season, headlines abound around the shifts and trends in retail. Here from retail expert John Squire on the latest evolutions in the space.

With 81% of Americans having a social media profile, you may wonder if social media insights can be used to assess credit risk. When considering social media data as it pertains to financial decisions, there are 3 key concerns to consider.

Consumers swipe their credit cards at staggering rates, but drilling into how each individual uses their card can reveal telling details about their lifestyle and spend.

With so much data being generated by our social media obsession, should lenders consider social media insights to assess credit risk?

Our national survey found that consumers struggle to find a credit card that meets their needs. They say there are too many options and it’s too time-consuming to research. Here's what they want:

APIs--Application Programming Interfaces--are the hidden backbone of our modern world which allow software programs to communicate with one another.

Many clients use the same debt collection strategy they’ve used for years never considering the customer experience for the debtor

In Experian’s latest State of Student Lending report, we dive into how the $1.4 trillion in student loan debt for Americans is impacting all generations in regards to credit scores, debt load and delinquencies.

Student loan crisis? Here's what the data from the past four years says...