All posts by Guest Contributor
By: Staci Baker For the one-third of the U.S. population that rents, in the past, rental payment history has not been included in determining...
US interest rates are at historically low levels, and while many Americans are taking advantage of the low interest rates and refinancing their mortgages,...
By: Kristan Frend Last week I came across a news article that said the NYPD arrested 26 people who allegedly took at least $5...
By: Kennis Wong Several weeks ago, I attended and presented at Experian’s sold-out annual conference, Vision, in Phoenix, Arizona. One of the guest speakers...
By: Kari Michel Credit risk models are used by almost every lender, and there are many choices to choose from including custom or generic models. ...
By: Wendy Greenawalt In my last blog, I discussed the Risk-Based Pricing Rule and provided an overview of the risk based pricing notice compliance...
By: Staci Baker With the increase in consumer behaviors such as ‘strategic default’, it has become increasingly difficult during the past few years for...
–By Wendy Greenawalt Recently the Federal Reserve Board and Federal Trade Commission issued a new rule requiring any lender who utilizes a credit report...
By: Kristan Frend I recently gave a presentation on small business fraud at the annual National Association of Credit Managers (NACM) Credit Congress. Following...
By: Staci Baker As more people have become underwater on their mortgage, the decision to stay or not stay in their home has evolved...
By: Kari Michel The Federal Reserve’s decision to permit card issuers to use income estimation models to meet the Accountability, Responsibility, and Disclosure (CARD)...
By: Kari Michel Credit quality deteriorated across the credit spectrum during the recession that began in December, 2007. As the recession winds down, lenders...
By: Wendy Greenawalt The auto industry has been hit hard by this Great Recession. Recently, some good news has emerged from the captive lenders, and...
By: Staci Baker With the shift in the economy, it has become increasingly more difficult to gauge — in advance — what a consumer is...
By: Wendy Greenawalt Optimization has become somewhat of a buzzword lately being used to solve all sorts of problems. This got me thinking about what...
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