Credit Lending

A recent New York Times (1) article outlined the latest release of credit borrowing by the Federal Reserve, indicating that American’s borrowed less for the ninth-straight month...

December 10, 2009 by Kelly Kent

In my last blog, I discussed the presence of strategic defaulters and outlined the definitions used to identify these consumers, as well as other...

December 10, 2009 by Kelly Kent

By: Amanda Roth During the past few months, we have been hearing from our clients that there is a renewed focus from the regulators/examiners...

December 8, 2009 by Guest Contributor

For the past couple years, the deterioration of the real estate market and the economy as a whole has been widely reported as a...

November 30, 2009 by Kelly Kent

By: Wendy Greenawalt Optimization has become a “buzz word” in the financial services marketplace, but some organizations still fail to realize all the possible business...

November 30, 2009 by Guest Contributor

In my last blog, I discussed the basic concept of a maturation curve, as illustrated below: Exhibit 1 In Exhibit 1, we examine different...

November 25, 2009 by Jeff Bernstein

By: Tom Hannagan Understanding RORAC and RAROC I was hoping someone would ask about these risk management terms…and someone did. The obvious answer is...

November 19, 2009 by Guest Contributor

The value of a good decision can generate $150 or more in customer net present value, while the cost of a bad decision can...

November 13, 2009 by Roger Ahern

By: Kari Michel Most lenders use a credit scoring model in their decision process for opening new accounts; however, between 35 and 50 million...

November 4, 2009 by Guest Contributor

Recent findings on vintage analysis Source: Experian-Oliver Wyman Market Intelligence Reports Analyzing recent vintage analysis provides insights gleaned from cursory review Analyzing recent trends...

November 2, 2009 by Kelly Kent

By: Wendy Greenawalt In the last installment of my three part series dispelling credit attribute myths, we’ll discuss the myth that the lift achieved...

October 23, 2009 by Guest Contributor

By: Wendy Greenawalt In the second installment of my three part series, dispelling credit attribute myths, we will discuss why attributes with similar descriptions...

October 21, 2009 by Guest Contributor

By: Wendy Greenawalt This blog kicks off a three part series exploring some common myths regarding credit attributes. Since Experian has relationships with thousands...

October 20, 2009 by Guest Contributor

When reviewing offers for prospective clients, lenders often deal with a significant amount of missing information in assessing the outcomes of lending decisions, such...

October 11, 2009 by Kelly Kent

By: Kristan Keelan What do you think of when you hear the word “fraud”?  Someone stealing your personal identity?  Perhaps the recent news story...

September 24, 2009 by Guest Contributor