Tag: credit scoring

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Time to upgrade your credit score solution...

The 1990s brought us a wealth of innovative technology, including the Blackberry, Windows 98, and Nintendo. As much as we loved those inventions, we...

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Navigating the Changing Regulatory Waters in Credit...

Whether its new regulations and enforcement actions from the Consumer Financial Protection Bureau or emerging legislation in Congress, the public policy environment for consumer...

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Marketplace Lenders Seek Credit Scoring Innovations...

Whether it is an online marketplace lender offering to refinance the student loan debt of a recent college graduate or an online small-business lender...

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The No. 1 Tactic to Optimize Your Collections...

Every portfolio has a set of delinquent customers who do not make their payments on time. Truth. Every lender wants to collect on those...

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Credit attributes: analytical decisioning building blo...

By: Teri Tassara In my blog last month, I covered the importance of using quality credit attributes to gain greater accuracy in risk models. ...

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The power of credit attributes in the decision process...

By: Teri Tassara In my last post, I covered the importance of using quality credit attributes to gain greater accuracy in risk models.  Credit...

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Credit attributes: analytical decisioning building blo...

By: Teri Tassara As building blocks to any predictive model development, it goes without saying that the better the predictive variables, also known as...

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What is subprime?...

As a scoring manager, this question has always stumped me because there was never a clear answer. It simply meant less than prime –...

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The power of credit attribute overlays...

Previously, we looked at the various ways a dual score strategy could help you focus in on an appropriate lending population. Find your mail-to...

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Scoring 101 – Dual score strategies...

Last month, I wrote about seeking ways to ensure growth without increasing risk.  This month, I’ll present a few approaches that use multiple scores...

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Scoring 101 – Evolution of scoring...

For as long as there have been loans, there has been credit risk and risk management. In the early days of US banking, the...

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Treatment of medical debts in scores...

By: Kari Michel The way medical debts are treated in scores may change with the introduction of June 2011, Medical Debt Responsibility Act. The Medical Debt...

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Consumers’ Personal Debt Ceiling...

With the raising of the U.S. debt ceiling and its recent ramifications consuming the headlines over the past month, I began to wonder what...

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Credit Scores Migrate Over Time...

By: Tracy Bremmer Score migration has always been a topic of interest among financial institutions. I can remember doing score migration analyses as a consultant...

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The Dodd-Frank Act in brief...

By: Staci Baker There has been a lot of talk in the news about the Dodd-Frank Act lately. According to the Dodd-Frank Resource Center of...

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