Credit and Economic Trends

42 Credit and Economic Trends assets found.

  • A single point in time or “snapshot,” of a consumer’s risk profile is insufficient to make credit decisions. “Trended” consumer views provide the information required to redefine static lending approaches and create a breakthrough strategy that will deliver profit. By leveraging trended data, lenders can quantify and characterize consumer behavior, which provides robust views of the consumer that can drive new and innovative strategies.

    Download the perspective to learn more.

  • Battling for balances: An Experian Perspective
    Document Published Date: Jul 2, 2019

    Lenders need to target and retain the most lucrative consumers to expand their portfolios. Balance transfers represent a critically important revenue lever in the market. By understanding the drivers behind transfers and improving response rates through propensity modeling, you can develop a strategy to target and retain optimal balance-transfer candidates – those who will deliver returns with minimal risk.

    Download the perspective paper to learn more.

  • Reasonable effort should be made to report consumer credit data. The data ecosystem depends on this free flow of information, but ultimately, the consumers depend on the data furnishers and NCRAs to appropriately record and maintain their complete credit performance. With an expert team and a data accuracy rate of 99.9%. Experian is a credible and quality data source.

    Download the perspective to learn more.

  • Webinar: Women in Business - An Experian credit study
    Video Uploaded Date: Jun 21, 2019

    Experian Commercial Data Sciences analyzed 3.1 million commercial entities from June 2016 to June 2018. We focused our research on approximately 2.8 million of those entities with either a male-owned or a female-owned designation. In this talk, Analytics Consultant, Andrew Moore, presents the results of our research.

  • Q4 2018 Experian/Moody's Analytics Main Street Report
    Document Published Date: Feb 6, 2019

    The fourth quarter capped a second year of solid performance and growth for small-business credit, but there are signs that the period of moderation experienced during the past two years is over. Since the government shutdown has the potential to throw small-business lending a curveball in the first half of 2019, the outlook for small-business credit is neutral. Conditions were positive in the fourth quarter, but this may not last long. Delinquency rates remained mostly stable, with pockets of weakness spread out among regions and industries, notably construction in the Plains. In addition to the 35-day shutdown, rising interest rates, destabilizing trade policy and slowing home-price growth are potential trouble sources that are already starting to impact some regions.

  • Webinar: Q3 2018 Quarterly Business Credit Review
    Webinar Published Date: Dec 11, 2018

    Experian and Moody's Analytics experts present insights from the most recent Experian/Moody's Analytics Main Street Report for Q3 2018.

  • Q3 2018 Experian/Moody's Analytics Main Street Report
    Document Published Date: Nov 7, 2018

    The overall outlook for small-business credit is positive, but some industries such as construction have a negative outlook. Outstanding balances rose in the third quarter, as did the average balance per business. Delinquency rates are stable around their current levels, but this could change quickly if risks mount for certain industries. Continuing strength in the economy should keep small business credit performance in check through the fourth quarter and early next year. Rising interest rates, destabilizing trade policy, and slowing home price growth are potential sources of trouble that are already starting to impact some regions.

  • Moving beyond risk to a member-centric strategy
    Document Published Date: Oct 16, 2018

    This paper will look at the evolving expectations of credit union borrowers — who demand personalized products and offerings — and ways to satisfy those expectations. We will introduce how a multidimensional view of the member lets credit unions segment more accurately, which can drive product and service design, improve data-driven decisioning, and tailor communications strategies. And we’ll walk through tips for designing and deploying an effective strategy using integrated decisioning.

  • Webinar: Q2 2018 Quarterly Business Credit Review
    Webinar Published Date: Sep 11, 2018

    Experian and Moody's Analytics experts present insights from the most recent Experian/Moody's Analytics Main Street Report for Q2 2018.

  • Q1 2018 Experian/Moody's Analytics Main Street Report
    Document Published Date: May 8, 2018

    The overall outlook for small-business credit is positive. Outstanding balances rose in the first quarter, as did the average balance outstanding per business. Delinquencies were down and default rates rose slightly, suggesting that credit conditions have peaked as the economy is in a late-cycle expansion. Continuing strength in the macroeconomy will keep small-business credit moving in the near term, along with higher profits from the recently passed tax legislation. Small-business credit will be less certain in the medium to long term as rising wages, interest rates and changes to the tax code take a toll.

  • Webinar: Q4 2017 Quarterly Business Credit Review
    Video Uploaded Date: Mar 26, 2018

    Experian and Moody's Analytics experts present insights from the most recent Experian/Moody's Analytics Main Street Report for Q4 2017.

  • Student loan debt has been increasing year-over-year since the 1990s. Experian Commercial Data Sciences is monitoring the effect student loans have on small-business creation and survival. This paper examines whether or not student debt is hampering the ability to open new businesses and keep them open

  • Price optimization in retail consumer lending
    Document Published Date: Jan 7, 2018

    This white paper evaluates how price optimization not only delivers improved profitability, but also provides the business with a better understanding of the overall business performance. For many organizations, the real benefits are gained through improved operational and financial management and the ability to respond to changing economic and competitive environments more dynamically.

  • In response to increasing interest in the mining industry, Experian® completed a review of the coal, natural gas and oil/petroleum industries, along with their impact on small businesses. Depending on the region of the United States, fossil fuel mining is both increasing and decreasing. With the current changes in these industries, the impact on other industries ranges from an increase in new small businesses to an increase in delinquencies. To understand the nuances of the fossil fuel industry, Experian® conducted a further study on Kentucky, West Virginia and North Dakota was done to analyze the impact that industry changes have on the economy of individual states.

  • Webinar: Q3 2017 Quarterly Business Credit Review
    Webinar Published Date: Dec 13, 2017

    Experian and Moody's Analytics experts present insights from the most recent Experian/Moody's Analytics Main Street Report for Q3 2017.

  • Q3 2017 Experian/Moody's Analytics Main Street Report
    Document Published Date: Nov 30, 2017

    The overall outlook for small-business credit is stable. Outstanding balances on small-business credit declined slightly in the third quarter, continuing a two-year trend. Delinquency and default rates were steady to declining, and business balance sheets continue to improve. Continued improvement in the labor market and economic growth bodes well for credit performance in the short term. Despite the overall optimism, pockets of localized weakness are developing and will warrant observation over the next few quarters.

  • Webinar: Q2 2017 Quarterly Business Credit Review
    Video Uploaded Date: Sep 15, 2017

    Experian and Moody's Analytics experts present insights from the most recent Experian/Moody's Analytics Main Street Report for Q2 2017.

  • Experian/Moody's Analytics Q2 2017 Main Street Report
    Document Published Date: Aug 8, 2017

    Small-business delinquency rates experienced broad-based improvement in the second quarter. With job growth expected to continue, putting more money in consumers’ pockets, small businesses will continue to outperform in the short term. As performance on small-business loans and lines of credit improves, credit is expected to flow more freely as banks and other lenders compete for business. Although tax reform and infrastructure investment could provide an additional boost to small-business activity, consumer spending will be the driving force for small-business credit over the next quarter — and throughout the rest of the year. Read our blog post for more details.

  • Small businesses have varying credit needs which evolve as the business matures from inception to maturity. Experian sought to understand what kinds of credit these businesses needed at different stages of the business lifecycle and how lenders could best serve small business by offering right sized capital at the optimal time. The analysis involved a study of trade credit profiles for one million businesses between 2010 and 2016 and the results are surprising and compelling.

    By watching this webinar you will learn:

    • The types of loans businesses secure change as they evolve and mature;
    • As businesses grow, they establish more trade credit and rely less on financial loans
    • Each industry showed unique pattern of loan opening behavior
  • Webinar: Q1 2017 Quarterly Business Credit Review
    Video Uploaded Date: Jun 14, 2017

    Experian and Moody's Analytics experts present insights from the most recent Experian/Moody's Analytics Main Street Report for Q1 2017.

  • In the financial services universe, there is no shortage of players battling for consumer attention and share of wallet. Download our latest infographics to review our latest findings, revealing insights and stats on credit union members, as well as how credit unions are faring on various loan products in comparison to banks and online lenders.

    This is the State of Credit Unions in 2017, exclusively presented by Experian.

    Download Infographic!

  • A better way to evaluate small business credit risk
    Document Published Date: Sep 29, 2016

    If a new company has not yet established a credit history, many lenders turn to the business owner’s personal credit to evaluate risk. But does personal credit alone paint an accurate picture of a new business’s risk? Is there a more optimal way to determine how creditworthy a young company may be?

    To find answers, Experian® randomly selected the credit files of 2.5 million U.S. small-business owners and compared them with the records of 1 million consumers. We then looked at the credit history of both groups, as well as key demographic data such as age, education and income. We also reviewed the number of open trades, delinquencies, bankruptcies and business survival rates. The results of this research are explained in this whitepaper.

  • Experian/Moody's Analytics Q2 2016 Main Street Report
    Document Published Date: Aug 25, 2016

    The Experian/Moody’s Analytics Main Street Report brings deep insight into the overall financial well-being of the small-business landscape. Small-business credit conditions improved in the second quarter. With the exception of some specific segments, delinquency and bankruptcy rates declined. Sentiment among small businesses is positive, with 11 percent planning to increase employment and 26 percent considering additional capital investment. Despite some downside risks, the sectors remain stable and well-positioned for growth.

  • While the mortgage meltdown tied to the Great Recession has passed, the peak of loans originating during that downturn continues to be monitored and assessed. Home equity lending was especially popular during the housing boom, and as the end-of-draw period trails, there is a great interest in consumer behaviors and repayment tied to these loans. This Experian analysis explores the spike in end of draw, as well as trends attached to originations and delinquencies.

  • Home equity lines of credit (HELOCs) continue to be a popular lending product. While much emphasis is placed on origination, it is critical for banks and credit unions to additionally manage this product throughout the consumer lifecycle. Access this one-page checklist to discover six best practices for lenders to consider as they manage and optimize their HELOC portfolios.

  • To promote transparency and aid in model governance, VantageScore Solutions publishes validations results annually, along with updated odds/performance charts. This paper highlights the most recent validation results and also presents insights gleaned from a decade of credit score model performance validations.

  • Infographic: Summer Sizzle for Auto Sales
    Document Published Date: Jun 7, 2016

    The summer months mean consumers are hitting dealer lots to score their next set of wheels. For lenders, this season provides a great opportunity to maximize loan growth. This infographic shares the latest summer auto trends and how lenders can grow auto share.

  • Credit Score Migration Study
    Document Published Date: Mar 29, 2016

    A VantageScore study analyzes consumer score migration. A key question for lenders using credit scores is: How will future events impact a consumer's credit score? This study analyzes consumer credit score migration over time, and how lenders can take these migrations into consideration in order to optimize their decisioning.

  • In recent years, leasing has strongly returned as an option for consumers to choose when looking to get into a new vehicle and maintain an affordable monthly payment. Experian Automotive's latest infographic examines the lift in leasing, as well as key attributes in the auto finance market.

  • Growing Thin-File Millennials
    Video Uploaded Date: Nov 25, 2015

    Many Millennials have been slow to adopt credit, but are beginning to hit those milestone moments requiring them to seek particular financial services products. A "thin file" doesn't necessarily mean a "bad file," so how can lenders grow a thin-file candidate and assess credit worthiness as these individuals seek first loans and bank cards?

  • Webinar: Chipping away at EMV myths
    Document Published Date: Oct 30, 2015

    As a growing number of businesses and consumers across the U.S. are learning and adjusting to new EMV credit cards, many still question the impact EMV will have on protecting consumers and businesses from increasingly savvy and sophisticated criminal fraud rings. Join Experian and our panel of experts as we look at how businesses are faring one month into the EMV liability shift.

  • Watch the recorded version of our Q2 recap of the Experian-Oliver Wyman Market Intelligence Report, including a key focus on the current U.S. real estate market.

  • Given constantly evolving market conditions, companies are faced with the challenge of keeping informed in order to empower the best decisions. Without an understanding of credit trends, it is difficult to stay ahead of the competition and meet consumer needs.
  • Video: Navigating the World of Consumer Credit
    Video Uploaded Date: Jan 1, 2015
    With so many factors to consider when designing your credit strategies and policies, it is critical to have a comprehensive view of all relevant information. Learn how your organization can get a clear view of the latest market direction to uncover new opportunities and identify profitable trends.
  • Watch an overview of consumer credit trends from the Q3 2014 Experian-Oliver Wyman Market Intelligence Report. Areas of focus include understanding consumer behaviors and trends that impact consumer credit decisions.

  • View a detailed overview of consumer credit trends from the Q2 2014 Experian¿Oliver Wyman Market Intelligence Report. We take an in-depth look at the real estate market, including whether the recent slowdown is a legitimate concern or simply a bump in the road to recovery.

  • View a detailed overview of key changes in the consumer lending environment. Topics include: consumer behaviors in the context of economic trends from real estate, banking and automotive as well as trends that impact consumer credit decisions in real estate, banking and automotive.

  • Get a recap of consumer credit trends from the Q4 2014 Experian-Oliver Wyman Market Intelligence Report, including a year-end review, understanding consumer behaviors and trends impacting consumer credit decisions.

  • Trends in Portfolio Management
    Document Published Date: May 3, 2012

    Lenders must look even more frequently and much more closely at their loan portfolio and “dig in” to consumers’ behavior to set short-term portfolio management strategies.