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...

Published: 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...

Published: 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...

Published: 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...

Published: 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...

Published: 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...

Published: 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...

Published: 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...

Published: 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...

Published: 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...

Published: 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...

Published: 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...

Published: 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...

Published: 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...

Published: 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...

Published: September 24, 2009 by Guest Contributor