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  • As a group, minority-owned businesses receive far fewer commercial loans and have significantly fewer trade accounts than the general small-business population. At the same time, minority-owned businesses have average business credit scores that should qualify them as viable prospective borrowers. This whitepaper highlights key findings from a recent analysis of minority-owned business data. They include a review of the study, the major insights revealed, and suggestions for how a change in common business practices can deliver “win-win” outcomes for minority businesses and the lenders that extend them credit.

  • 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.

  • The Evolution of Identity Management
    Document Published Date: Mar 28, 2016

    Don't get blind sided - Gain insight in establishing an identity management strategy that will adapt to new challenges, authenticating users, mitigating risk, adhering to regulatory constraints without impeding the user experience, and more.

  • Formula for data quality success
    Document Published Date: Mar 15, 2016

    Data quality is critical to a company's success with consumers, regulators and financial advocacy groups. Ensuring the credibility of reported data ensures compliance and increases competitive advantage.

  • Expanding the Marketable Universe
    Document Published Date: Mar 1, 2016

    Many credit marketing leaders are actively evaluating and finding viable consumer populations within the near-prime consumer population today.

    Download our latest white paper, Expanding the Marketable Universe, filled with valuable data and analysis that will help you identify strategies for acquiring new accounts in lower-scoring segments.

  • Hardly a week goes by without the media reporting a large-scale hack of sensitive personal or account information. Increasingly, the public seems resigned to believe that such compromises are the new normal, producing a kind of breach fatigue that may be lowering the expectations consumers have for identity and online security. Still, businesses must continue to apply comprehensive, data-driven intelligence that helps thwart both breaches and the malicious use of breached information and protect all parties’ interests.

  • While most in the political arena believe Independents and Republicans share many of the same political views, small-business owners who identify as one of the two major political parties also share similarities outside of politics. Business owners who identify as Independents relate more closely to Republicans than to Democrats in a number of areas, including average personal income, education level and credit usage.

    The similarities between Independent and Republican small-business owners are a few of the key findings included in a recent Experian analysis examining the characteristics of small-business owners based on political affiliation. In this whitepaper, we go in depth on these findings.

  • Experian research shows Millennials currently hold only 5% of their accounts with credit unions. Why? This paper explores Millennial trends in the financial services space, and advises how credit unions can adapt to serve this coming-of-age market,

  • Virtually unheard of just 10 years ago, Web-based companies that offer funding options beyond traditional bank loans have grown considerably. Small businesses — drawn by the easy application process and flexible repayment terms — have become increasingly comfortable working with online lenders, which offer rapid access to capital, a wide array of niche products and a low-friction customer experience. In this article we discuss emerging trends in online marketplace lending we can expect to see over the next several years.

  • When it comes to matching small-business borrowers to the most appropriate lenders, a new breed of marketplace matchmaker or loan aggregator is finding success bringing the two parties together. Aggregators compare the needs and qualifications of borrowers with lenders in their network matching their target criteria. Think of it as speed dating for business financing. This article explores the various go-to-market strategies and tactics employed by loan aggregators.

  • In this paper, we'll discuss who millennials are and dive deep into their most profitable segments. We will assess the drivers that affect their decision making and identify where millennials are in their financial journey. Lastly, we will provide best practices and look at innovative strategies banks have employed to reach this growing population.

  • Reducing risk through blended credit profiles
    Document Published Date: Oct 20, 2015
    When attempting to determine a small business's credit risk, which is more useful, the company's credit history or its owner's? For decades, conventional wisdom has held that a business owner's personal credit history alone can be used to judge his or her company's creditworthiness. Many lenders have tended to see small businesses and small-business owners as one and the same, their funds so frequently commingled as to make the two entities virtually indistinguishable. However, this strategy is not always successful. A business owner with good personal credit still can have a failing company, and someone whose personal credit is messy still can own a successful business. Since a bad call can cost a creditor thousands, perhaps tens of thousands, of dollars, Experian® decided to test the conventional wisdom for itself.
  • As an industry, marketplace lending has enjoyed considerable success over the past five years. In some entrepreneurial circles, names such as Lending Club, Fundera, Creditera and Funding Circle are as well-known as Citibank, Bank of America and Wells Fargo. Many full-service banks see these newer online platforms as opportunities to increase their own efficiencies as well as a way to capture future long-term customers. In this article we explore how financial institutions are aligning with online marketplace lenders.

  • The evolution of commercial lending over the past seven years has certainly had its share of ups and downs. Remember the ominous days leading up to the financial crisis when it seemed like everything was teetering on collapse? During that uncertain time, commercial lenders took a lot of criticism from several directions. On top of those worries, a new channel emerged, ¿online marketplace lending.¿ In this article, Charles H. Green from Advice On Loan shares his perspectives about how financial institutions can play to their strength, and play to win with online marketplace lenders.

  • Online lenders represent a valuable resource for small businesses in need of working capital. Also known as "alternative" lenders, they are particularly useful to new businesses lacking the long, detailed credit history that banks and traditional lenders usually require to underwrite a commercial loan. In this article we explore the various new data sources being used by online lenders to make lending decisions.

  • The Responsible Business Lending Coalition, a group of non-bank small-business lenders announced a self-regulatory program that is designed to bring greater clarity and consistency to its industry¿s pricing and consumer protections. In this paper we talk about self-regulation in the online marketplace lending sector and what the Small Business Borrower's Bill of Rights is all about.

  • Just how alternative are today's online marketplace lenders?
    Document Published Date: Sep 14, 2015

    Online marketplace lenders, have caused quite a stir over the past couple of years by offering alternative financing products to serve consumers and businesses. But what¿s so radically different about what they do, other than using a Website rather than a drive-up branch to initiate a financial relationship?

  • Unfortunately, for students and parents, the excitement of entering college can turn quickly into fear and confusion as they learn to navigate all of the financial components that come along with the burden of a student loan and debt. Those that cannot get proper support often are left to deal with the impacts of late payments or defaulted loans. This paper features student loan debt trends, and outlines the need for increased consumer credit education.
  • Over the past two to three years, online marketplace lending (OML) — also called alternative lending — has made dramatic changes in the landscape of small business lending. In this paper, the first in a series of eight articles, Experian experts discuss this exploding fin-tech-driven market from several angles.

  • Whitepaper: Data Study on U.S. Small Business Startups
    Document Published Date: Jul 15, 2015
    It's no secret that starting a new business is a risky proposition, but so is providing the funding start-ups need to open their doors, gain traction and begin to grow. In a study of business starts between 2010 and 2014 Experian reveals that not only are start-ups not as risky as conventional wisdom might suggest, but funding a new business early offers a careful lender unique benefits.
  • Compliance as a Differentiator
    Document Published Date: May 11, 2015

    The number of regulations imposed on financial institutions has grown significantly over the past five years, and the level of complexity behind each regulation is high, requiring in-depth knowledge to implement and comply. Lenders have to understand the full complexity of both national and international regulations, so they can find the unique balance to meet compliance obligations while identifying profitable business opportunities.

  • Moving Beyond Risk to a Customer-Centric Strategy
    Document Published Date: May 1, 2015

    Today's customers have an array of choices at their fingertips. They no longer accept the idea of "one size fits all." Gain their business and their loyalty by offering these highly informed consumers personalized products and services that focus on their individual needs.

  • Experian's Income Insight helps you give line increases to consumers who have the greatest ability to pay.
  • The Impact of Consumer Data Reporting
    Document Published Date: Jan 19, 2015
    Today's consumer is well versed in understanding tools such as credit scoring and data reporting. Now more than ever, they are looking for a fair and accurate representation of their financial history. Data furnishers need to be at the forefront of understanding their reporting and management options. Learn how to improve the customer experience by being proactive and prepared with complete consumer data reporting.
  • The New Customer Experience
    Document Published Date: Jan 5, 2015

    Consumer expectations are changing rapidly, and there has never been a better time to create a more customer-centric organization. But companies need to do more than simply survey customers and develop new strategies. They need to take aggressive steps to develop an in-depth understanding of their customers, then develop and implement a comprehensive customer experience program.

  • Conquering Big Data Challenges
    Document Published Date: Jan 1, 2015

    Financial institutions have invested in Big Data for many years, and new advances in technology infrastructure have opened the door for leveraging data in ways that can make an even greater impact upon your business.

    Big Data is not just about increased data and storage. It is about finding opportunity in your existing data sources and scaling for the future.

  • Consumers can often be excluded from building or establishing their credit based on traditional payment data history. As the credit industry continues to evolve, financial institutions seek methods to help their customers gain access into the financial mainstream. Learn more about how alternative payment data, such as positive energy-utility reporting can help your customers gain access to the financial services they need.
  • Collections After Compliance
    Document Published Date: Nov 3, 2014
    With increasing scrutiny on the financial services industry, the number of regulations continues to grow. This along with new regulators and ever-changing data, can prove to be challenging when operating in the collections industry. Learn more about what new regulators are focused on and how you can position yourself for operational efficiency to strengthen business practices while maintaining compliance.
  • Targeting the Lucrative Balance-transfer Market
    Document Published Date: Oct 31, 2014
    As the playing field is stabilizing for the credit card industry, lenders are in a position now more than ever to grow their profits. Consumers are motivated to manage their cash flows, and improve their credit health; and they are transferring card balances, seeking the best rates. Learn how to attract the right audience, segment the surfers and deleveragers, and build customer loyalty.
  • Mobile Banking: Enhancing Your Customers' Experience
    Document Published Date: Oct 31, 2014
    Deepen relationships with your customers and enhance loyalty by anticipating their financial services needs. Discover the best ways to increase monetization in the mobile banking channel. And, learn how to target and connect with qualified customers and prospects, offering in-the-moment credit offers.
  • Protecting the Customer Experience
    Document Published Date: Oct 1, 2014

    Fraud continues to grow and evolve, affecting consumers, businesses and agencies alike. As technologies evolve and information security tightens, the savvy nature of fraudsters becomes more sophisticated. Fraudsters are continually striving to be one step ahead of the next fraud-prevention strategy. As consumers move from face-to-face interaction to online and mobile transactions, there is a pressing need for more elaborate and accurate fraud prevention.

  • The Power of Data Integrity and Quality
    Document Published Date: Sep 19, 2014
    Mastering data quality are you ready for governance? Beyond data quality metrics, is your data credible? This is the next line of questioning that may come your way from regulators and other external parties charged with testing and sampling your data. We can help you stay ahead of potential upcoming regulations. To learn how we can help you take a proactive approach to data accuracy and dispute resolutions, complete the form to download our perspective paper.
  • In recent years, identity theft has risen from a fairly unknown crime to a huge and costly problem. As perpetrator attacks become more sophisticated, your customers become more vulnerable.
  • Authentication: In the Mind of the Consumer
    Document Published Date: Sep 8, 2014
    Despite all of the concerns about online privacy, we still hear reports about people not protecting themselves online. They use simple passwords, they reuse passwords across websites, and they expose their most personal and intimate data through social media.
  • Engaged customers spend 30 percent more with a business.Yet, when it comes to insurance, there¿s a unique challenge: A lack of customer touch points to drive engagement.
  • North American consumers show a growing appetite for expanding their use of online services and mobile devices but want more awareness and control over how their personal information can be safeguarded to protect their credit,their identities, and their overall privacy. P&C insurance companies are well positioned to be thought leaders and help consumers understand how their personal information, when exposed, can put them at risk. With risks increasing,insurers are well positioned to be a key resource in protecting consumers.
  • Published Date: Aug 14, 2014
    Using company versus owner credit histories to determine small-business credit risk.
  • Data Breach Response: Lessons from the Trenches
    Document Published Date: May 2, 2014
    As the era of big data continues to march forward, so does the number of data breaches. Organizations seem to become more vulnerable every day with breaches rising at an alarming rate. In fact, studies indicate that companies are attacked an average of thousands of times per year, and many of those attacks result in a quantifiable data breach. With this reality facing us, many security experts are convinced that data breaches are inevitable. So if that is the case, what can your organization do to minimize the damage? Six important lessons that we¿ve learned from the field are revealed inside of this e-book.
  • Our study, Risks & Rewards of Online & Mobile Health Services: Consumer Attitudes Explored, examines consumers¿ perceptions about sharing their personal information when using online health services and mobile apps. It also reveals the practices believed to be important to protecting personal health information from a possible data breach.
  • Empowered consumers know that their credit health is more than just a score. Providing access to a consumer's credit score is a great first step. But an even greater opportunity for consumer engagement lies in the ability to provide access to the core factors affecting their credit. Help them learn what that score means with credible, detailed, rich educational content to help them make better financial decisions.
  • Trended Solutions: Fueling Profitable Growth
    Document Published Date: Jan 9, 2014
    This white paper demonstrates that a different way of understanding consumer behavior is the key to creating the necessary strategies to create a profitable portfolio. It will show that considering only a current view of consumer credit does not provide the necessary and precise knowledge about how to market to or underwrite that consumer. You will discover that a "trended" view of the consumer will provide the information required to redefine static lending approaches and to create the breakthrough strategy that will deliver profit.
  • Raising the Bar on Data Integrity
    Document Published Date: Nov 1, 2013
    The US is the leading provider of affordable, fair, wider and more portable access to credit. But the American consumer has little appetite for mistakes when it comes to the accuracy of credit data. We believe that the next generation of lenders will compete on dispute response rates and accuracy of reporting. Download this complementary paper for a fresh perspective on how to take a proactive approach to: -Providing customers with an optimal experience -Correcting inaccurate data -Preparing for regulatory review -Understanding reporting practices as benchmarked to peers
  • The Rekindling Success white paper uncovers your portfolio's hidden potential using advanced triggers to prevent risk
  • Data Breach Response Guide - Recently Updated
    Document Published Date: Aug 23, 2013
    Data breaches are hitting business in nearly every industry. If you aren't prepared, you're already behind - even if you've never experienced a breach. Learn how to develop your response plan and build your response team before you need them. Recent updates include information directed toward entities dealing with healthcare related information regarding the HIPAA Omnibus Rule and the complexities they might encounter in fielding a data breach, as well as an updated section around the current legal landscape and the work being done there.
  • The First 24 Hours Data Breach Resolution Checklist
    Document Published Date: Aug 8, 2013
    Acting quickly following a data breach can help you regain your security, preserve evidence and protect your brand. Make these tips the first steps you take toward data breach resolution.
  • With the increasing cost and volume of data breaches, cyber security is quickly moving from being considered by business leaders as a purely technical issue to a larger business risk. This shift has spurred increased interest in cyber insurance to mitigate the cost of these issues. In a new study sponsored by Experian® Data Breach Resolution, Ponemon Institute surveyed risk management professionals across multiple sectors that have considered or adopted cyber insurance. Based on responses, many understand that security is a clear and present risk. Indeed a majority of companies now rank cyber security risks as greater than natural disasters and other major business risks.
  • Bureau-Backed Identity Protection & Credit Monitoring
    Document Published Date: Jul 30, 2013
    When Everything Is On the Line, You Need Everything Experian Offers for Data Breach Response: Only one data breach resolution company has the distinction of being part of the world's largest credit bureau. That's Experian® Data Breach Resolution, steeped in a history of swift incident response and consumer fraud protection.
  • Price optimization in retail consumer lending
    Document Published Date: Jul 1, 2013

    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.

  • Cyber Insurance 3.0: Risks, Rewards and Future Outlook
    Document Published Date: Jun 6, 2013
    Cyber insurance, the fastest-growing specialty line in the commercial market, is rapidly becoming vital to the financial health of organizations. Although it has been available since the late 1990s, cyber insurance is now gaining momentum among small and mid-sized organizations. In the past, it was primarily purchased by large and high-tech companies. It is no coincidence that the popularity of cyber insurance is escalating along with the number of data breach incidents. Whether caused by a hacker or human error, the frequency and severity of breaches are increasing.
  • CFO eBook: Lending in Limbo
    Document Published Date: May 14, 2013
    The commercial lending landscape has changed. Larger in number but smaller in dollar volume, small-business loans take up more resources and may not be as profitable in the long run to banks, making them less of a focus. Lending in Limbo gives techniques and solutions for the commercial lenders when lending to small businesses. The solution is to be part of ending this crisis, in which other organizations have implemented.
  • Navigating A Healthcare Data Breach eBook
    Document Published Date: May 10, 2013
    The healthcare industry is constantly evolving with new procedures and technology in the operating room. The same is needed in the back office, where data security can either make or break an organization. Given HIPAA¿s stricter new regulations, with which organizations have until September 23, 2013 to comply, the time for making small strides in security, privacy and data breach preparedness is over. This eBook provides 5 takeaways from lessons learned from the field.
  • Streamlining Eligibility Verification
    Document Published Date: Apr 15, 2013
    As the need for help -- and the equal need to reduce spending -- increases, public assistance programs are under tremendous pressure to maximize their limited resources in order to provide more services with shrinking budgets. Key to this effort is the importance of ferreting out fraud, waste and abuse, and eliminating inefficiencies, while ensuring that these services are provided to those individuals that qualify to receive them.
  • Issue Brief: Beyond Traditional Eligibility Verification
    Document Published Date: Dec 6, 2012
    How Data and Analytics Can Reduce Fraud and Deliver Better Program Compliance
  • Identity proofing: an Experian Public Sector white paper
    Document Published Date: Nov 1, 2012
    A risk-based approach to agency identity proofing: Experian's lessons learned and best practices for government agencies.
  • Guide to Building Smart Business Credit
    Document Published Date: Oct 17, 2012
    Understanding how to build business credit is important. It can save you money, establish valuable commercial relationships, and grow your company. This guide provides clear, concise advice on how to develop business credit over the long haul.
  • Cyber Insurance and Your Data Breach Response Plan
    Document Published Date: Oct 11, 2012
    In recent months, several entities have publicly announced being affected by cyber incidents. Almost daily, online accounts are hacked, external hard drives are stolen and thumb drives are lost.
  • A Widening Focus: Setting Your Sights on Growth Companies
    Document Published Date: Oct 4, 2012
    Small and mid-sized customers are becoming a steadier source of profits for large companies so risk and credit management strategies at companies should be revised to improve evaluation of these prospects.
  • Learn best practices for maximizing collections in the Public Sector. Experian, in cooperation with Governing Magazine, recently completed a nationwide survey of governmental agencies. The survey sought to determine the types of collection efforts in which governments engage and looked at areas where those entities face challenges to better collect. Experian's collection professionals then compared the government activities with commercial best practices to identify those processes underutilized in the public sector. This white paper presents those practices.
  • Improving decisions across the Customer Life Cycle
    Document Published Date: Sep 3, 2012

    Companies pursuing higher performance must find ways to simultaneously adapt to change. They have to work harder to rapidly pull insights about customer behavior and market trends from huge quantities of their own data as well as data from other sources. They work harder just to surmount process gaps and obstacles caused by traditional methods of developing and deploying decisioning strategies and tools. Incompatible software, different data formats, and lack of integration between strategy design and execution mean that too much time is being spent just on the mechanics of customer decisions.

  • This paper explores how this new weapon helps detect identity theft and other fraud, how data velocity can prove the key to predicting identity theft, and how to still deliver a strong and quick return on investment.
  • As the economy gains strength, lenders are engaging in an increasingly fierce competition to entice the best candidates to their portfolios and to grow their lending business.
  • This white paper presents some of these latest trends affecting the small-business lending landscape. Specifically, it illuminates how companies are using the new robust data sources and analytic tools--from consortium data to rapid model customization--to maximize their interactions with small-business clients with greater accuracy.
  • Loan delinquency rates are one of the most important statistics to track in the automotive finance industry. If consumers are not repaying loans on time, it puts billions of dollars at risk. When high dollar volumes are at risk, it is a negative for everyone in the lending world, including consumers, automotive retailers and lenders themselves.
  • 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.

  • Unlocking the Value in Business Information
    Document Published Date: Apr 9, 2012
    As hopes for a robust return to market growth continue to dim, and as companies increasingly find that cost-cutting alone is no longer enough to protect the bottom line, finance executives are being challenged to do even more with even less. For companies striving to find secure paths to business expansion, growing profitably may mean learning much more about their customer base- both their current customers and the customers they haven't yet acquired.
  • State of the U.S. Credit Markets
    Document Published Date: Apr 3, 2012

    The economy’s recovery from the Great Recession may have started slowly, but it is accelerating – and it’s genuine. Economic indicators tell the story of improving business prospects. For credit issuers, the message is real, too. Now’s the time to look with fresh eyes at your post recession lending strategies. It’s time to rethink your approach to growth in this market and reassess the profile of the consumer prospect in relation to profitability and market share gains.

  • Ponemon Institute: The Aftermath of a Data Breach
    Document Published Date: Mar 6, 2012
    The Aftermath of a Data Breach study by the Ponemon Institute shares the insights of IT professionals with actual experience dealing with a breach.
  • Ponemon Institute: The Reputation Impact of a Data Breach
    Document Published Date: Mar 6, 2012
    According to this study, fifty-four percent of companies believe it can take 10 months to more than two years to restore a company's reputation following a breach of customer data. Find out what else executives are saying about how a data breach can affect the reputation and image of an organization.
  • Expand Your Marketable Universe
    Document Published Date: Feb 27, 2012
    Credit marketing experts who evaluate the right data assets to supplement targeting efforts will emerge quickly over the next 18 months as leaders in portfolio growth. The key is getting the right product to the right consumer at the most appropriate time.
  • Security is a business risk which must be accounted for in every organization¿s enterprise risk management plan. Find out how to protect your business.
  • Best Practices in case of a Healthcare Data Breach
    Document Published Date: Aug 9, 2011
    Customer turnover in response to a data breach continues to be a dominant factor in data breach costs. Learn what steps to take during the first 72 hours of a breach incident.
  • Looks at behaviors & attitudes of certified shoppers, the impact a certified program has on vehicle sales, & how the automotive value chain can take advantage of the effect certified sales offers.
  • Driving Customer Loyalty: Moving from Wishes to Actions
    Document Published Date: May 23, 2011
    Explains a new and more accurate approach to defining and measuring customer loyalty for the automotive industry that allows the entire value chain to make the most informed decisions.
  • The Impact of Vehicle Title Brands on Loan Performance
    Document Published Date: Apr 29, 2011
    Significantly higher percentages of title-branded vehicles are financed at Buy Here Pay Here lots, and sold to credit challenged customers. Leveraging the information within vehicle history reports, lenders can identify title-branded vehicles when the loan is made, and mitigate losses.
  • Eventually, almost every company may need to respond to a threat or actual data breach. There are steps to prepare and to get through an incident. This paper provides some helpful considerations to responding to a data breach and vendor relationship practices regarding data breach risk.
  • State laws requiring "reasonable" data security have had a positive impact, but data breach notification laws have had the most profound effect on the improvement of data security.
  • Data Breaches - 2010
    Document Published Date: Nov 21, 2010
    This paper discusses how data breaches happen and what your organization can do to prepare.
  • The new law, called the Dodd-Frank Act, will change the way many large and small financial institutions operate, likely placing downward pressure on the availability of consumer credit.
  • Learn the why and how of conducting a risk assessment for compliance with HITECH. Find out what approaches you should take and who should be involved to minimize vulnerability in healthcare privacy and security issues.
  • Healthcare data breaches are an increasing issue & this paper addresses reasons for that. Find out what you need to know about data breach best practices in healthcare data breach resolution.
  • An estimated 1.4M Americans were victims of medical identity theft in '09. This white paper addresses the impact of a breach to consumers and the business and provides data to support the conclusions.
  • An in-depth look at small-business performance in challenging market conditions.
  • About Medical Identity Theft and Healthcare Data Breaches
    Document Published Date: Mar 31, 2010
    The frequency of medical identity theft is on the rise. Explore what that means to your company's and your client's risks of a medical data breach and potential loss of customer and brand loyalty.
  • Combating the Rising Tide of Medical Identity Theft
    Document Published Date: Oct 1, 2009
    A data breach can be a gold mine for medical identity thieves. Learn about medical identity theft and how fraud resolution experience can help resolve the damaging consequences.
  • Data Breach Response Best Practices Prepared for Experian
    Document Published Date: May 1, 2009
    Data Breaches have become commonplace ? 26% of U.S. consumers have received data breach notifications. This report lists best practices for organizations before, during, and after a data breach.
  • Explains the contributing and weighting factors that determine a vehicle's AutoCheck Score and what dealers, lenders, consumers and other users can expect to gain.

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