Models & Scores
Credit Cards in a Credit Union Portfolio...
Credit cards are the most widely available credit products offered to millions of consumers today. For many consumers, owning a credit card is a...
Prescreen Marketing in Today’s Economic Environm...
As industry experts are still unsure when the economy will fully recover, re-entry into marketing preapproved credit offers seems like a far-off proposal. However,...
Profitability Analysis...
Profitability analysis is one of the most powerful analytics tools in business and strategy development. Yet it’s underrated, deemed too complicated and often ignored....
Responding to and Recovering from the COVID-19 Recessi...
This is the fourth in a series of blog posts highlighting optimization, artificial intelligence, predictive analytics, and decisioning for lending operations in times of extreme uncertainty....
Audio: Support Your Borrowers and Reduce Portfolio Vol...
In today’s uncertain economic environment, the question of how to reduce portfolio volatility while still meeting consumers’ needs is on every lender’s mind. With...
How Will COVID-19 Impact Consumers’ Payment Prio...
Do consumers pay certain types of credit accounts before others during financial distress? For instance, do they prioritize paying mortgage bills over credit card...
Audio: What Is Account Management?...
Account management is a critical strategy during any type of economy (pro-cycle, counter-cycle, cycle neutral). In times like these, marked by economic volatility, it...
Experian Launches Ascend Portfolio Loss Forecaster wit...
Today, Experian and Oliver Wyman launched the Ascend Portfolio Loss ForecasterTM, a solution built to help lenders make better decisions – during COVID-19 and...
Experian Launches Sure Profile...
To combat the growing threat of synthetic identity fraud, Experian recently announced the launch of Sure ProfileTM, a revolutionary change to the credit profile...
Loss Forecasting for Now and the Future...
While an overdue economic downturn has been long discussed, arguably no one could have foreseen the economic disruption from COVID-19 to the extent that’s...
Validating Consumer Credit Scores in a Time of Extreme...
This is the third in a series of blog posts highlighting optimization, artificial intelligence, predictive analytics, and decisioning for lending operations in times of extreme uncertainty....
Case Study: Giving Consumers the Credit They Deserve...
Today’s lending market has seen a significant increase in alternative business lending, with companies utilizing new data assets and technology. As the lending landscape...
Q&A Perspective Series: COVID-19 and the New Lend...
The coronavirus (COVID-19) outbreak is causing widespread concern and economic hardship for consumers and businesses across the globe – including financial institutions, who have...
Q&A Perspective Series: Supporting Small Business...
With new legislation, including the Coronavirus Aid, Relief, and Economic Security (CARES) Act impacting how data furnishers will report accounts, and government relief programs...
Effectively Scoring Credit Risk in Today’s Economic En...
In the face of severe financial stress, such as that brought about by an economic downturn, lenders seeking to reduce their credit risk exposure...