A recent study compiled by VantageScore® Solutions found that default risk associated with mortgage originations has improved. The likelihood that a borrower will become 90 or more days past due after a mortgage has been originated was 2.5 percent in 2011, far lower than in 2009, where it hovered at 7 percent. Get your VantageScore® credit score. Source: View the complete VantageScore Solutions 2011 Annual Validation study. VantageScore® is owned by VantageScore Solutions, LLC.

The average bankcard balance per consumer rose to $4,359 in Q1 2012 – an 8 percent increase from the previous quarter. The increase resulted primarily from balance increases to VantageScore® A and B segments, which increased 31 percent and 11 percent, respectively. Download the latest Experian industry white papers. VantageScore® is owned by VantageScore Solutions, LLC.

A recent Experian study showed that strategic defaults accounted for 23 percent of all mortgage defaults 60 days past due or greater in Q4 2011. Other findings included the following: Prime and super-prime consumers (VantageScore® credit score A and B tiers) have the highest incidence of strategic default Average outstanding mortgage balances for strategic defaulters are nearly 36 percent higher than their nonstrategic default counterparts. Listen to our recorded Webinar for a detailed look at the current state of strategic default in mortgage and an update on consumer credit trends. Source: Experian-Oliver Wyman Market Intelligence Reports and strategic default studies. VantageScore® is owned by VantageScore Solutions, LLC.