Models & Scores
Every data-driven organization needs to turn raw data into insights and, potentially, foresight. There was a time when lack of data was a hindrance,...
Jennifer Schulz, CEO of Experian, North America kicked off Experian’s annual Vision conference Tuesday morning pointing to data, analytics, technology and collective curiosity as...
The science of turning historical data into actionable insights is far from magic. And while organizations have successfully used predictive analytics for years, we’re...
There’s always a risk that a borrower will miss or completely stop making payments. And when lending is your business, quantifying that credit risk...
Many organizations commit to diversity, equity, and inclusion (DEI) policies and practices to build a more diverse and just workplace. Organizations that live by...
Alternative credit scoring has become mainstream — and for good reasons. These scoring models could help nearly 50 million consumers who don’t meet the...
Today’s changing economy is directly impacting consumers’ financial behaviors, with some individuals doing well and some showing signs of payment stress. And while these...
Advances in analytics and modeling are making credit risk decisioning more efficient and precise. And while businesses may face challenges in developing and deploying...
Whether your goal is to gain new business or create cross-sell opportunities, being proactive in your credit marketing approach can help drive higher response...
Traditional credit data has long been a reliable source for measuring consumers’ creditworthiness. While that’s not changing, new types of alternative credit data are...
As marketers, we know that more knowledge enables us to be targeted and relevant. But to target more accurately and create a better customer...
The number of decisions that a business must make in the marketing space is on the rise: which audience to target, what is the...
Even before the COVID-19 pandemic, many Americans lacked equal access to financial products and services — from tapping into affordable banking services to credit...
There’s no magic solution to undoing the decades of policies and prejudices that have kept certain communities unable to fully access our financial and...
Until recently, lenders primarily used traditional data, or the data contained in Experian’s and other credit bureaus’ core credit files, for their lending-related decisions....