eBook
Published May 5, 2025
Credit Decisioning Customer Management
Managing credit limits effectively can help financial institutions maintain a healthy, profitable credit card portfolio. Proactively increasing credit limits can enhance your ability to provide excellent customer satisfaction and drive higher revenue.
Lenders can strategically implement proactive credit limit increases to:
- Increase interchange income
- Generate additional interest income
- Enhance wallet share
- Reduce customer attrition
- Improve customer experience
Proactive credit limit increases give customers access to more credit, which can positively impact their financial health and help you drive business growth.
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Video
Retain and reward your best customers
Learn how Experian's Retention Triggers can alert you when your customers shop for new credit or improve their credit standing.
By leveraging this solution, you can then:
- Make the right offer at the right time
- Prevent attrition
- Increase customer lifetime value
Video
Optimize your prescreen strategy and improve your response rates to maximize revenue
Reaching the right consumers with credit offerings can be challenging without the right technology. Our optimized prescreen model and strategy service, Ascend Intelligence Services™ Target, can help organizations identify consumers who meet credit offer criteria, increasing the likelihood of positive responses.
With access to Experian’s historical data, financial institutions can:
- Identify the consumers who meet their credit criteria
- Increase the likelihood of positive responses to their offers
- Get the most ROI out of their marketing campaigns while staying within budget
By optimizing their prescreen strategies, organizations can reach more of the right consumers to grow their customers bases and drive revenue.
Report
2025 Housing Insights: Trends, Challenges, and Opportunities
As we enter 2025, the mortgage industry continues to transform amid political and economic changes. Mortgage lenders must stay updated on trends to serve their customers effectively. Experian data scientists and analysts provide insights into the U.S. housing market's impact on lenders, highlighting recent trends and their implications. We aim to offer a comprehensive overview of the mortgage market, emphasizing key trends, regional differences, and potential growth areas.
- Market Trends: Understand the latest trends in mortgage originations, delinquencies, and interest rate fluctuations.
- Regional Insights: Explore regional variations in housing market activity and home equity levels.
- Strategic Recommendations: Get actionable insights to navigate the dynamic mortgage market in 2025.
Infographic
Fostering Relationships to Unlock Growth
View our infographic to discover how you can increase revenue and empower your customers to stay informed, avoid delinquencies, and improve their financial well-being.
Here’s a sneak peek of what you’ll find:
- Market trends: Gain insight into the current interest rate environment and its effects.
- Consumer expectations: Learn how to meet rising demands for proactive financial support.
- Financial wellness and identity protection: Discover how credit monitoring and alerts can reduce fraud and help consumers manage their credit more effectively.