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The Experian/Moody's Analytics Small Business Credit Index tumbled in Q4 2012, falling 6.8 points to 97.3 from 104.1 in the previous quarter. This is...

Published: March 17, 2013 by admin

The average unscoreable consumer has a good job and a better-than-adequate credit profile. Sixty-one percent of unscoreable consumers hold professional level or skilled labor...

Published: February 24, 2013 by admin

According to a recent survey that asked Americans about their understanding of credit scores 83 percent have checked their credit scores and nearly half...

Published: February 3, 2013 by admin

Roughly 70 percent of credit scores change by up to 20 points in any given 90-day window. Most consumers experience a score improvement rather...

Published: January 27, 2013 by admin

The December release of the S&P/Experian Consumer Credit Default Indices, a comprehensive measure of changes in consumer credit defaults, showed the national composite* increased...

Published: January 21, 2013 by admin

Bankcard originations have continued to increase, with Q3 2012 originations increasing 32 percent over Q3 2011. On average, 66 percent of the population now...

Published: January 12, 2013 by admin

To learn the status of Americans' current credit card spending, Credit.com recently compiled a list of the states with the highest average bankcard balance...

Published: January 6, 2013 by admin

Returns on investment from superior customer-centric strategies easily can exceed 20 percent in the first year of implementation. However, this number is compounded exponentially...

Published: December 4, 2012 by admin

Six states are the top producers of turkeys: Minnesota at 46 million, North Carolina at 36 million, Arkansas at 29 million, Missouri at 17.5...

Published: November 26, 2012 by admin

When validating a model in the presence of overlay criteria, it is important to remember that any metrics computed at the aggregate portfolio level...

Published: November 11, 2012 by admin

As of Q2 2012, subprime borrowers are carrying the largest retail card balances, with an average card balance per account of $620 and $700...

Published: November 4, 2012 by admin

Returns on investment from superior customer-centric strategies easily can exceed 20 percent in the first year of implementation. However, this number is compounded exponentially...

Published: October 28, 2012 by admin

During Q2 of 2012, home equity line of credit (HELOC) delinquency rates were the lowest in recent years. The delinquency rate fell below 1...

Published: October 26, 2012 by admin

Not surprisingly, bankcard utilization is the highest among subprime consumers with VantageScore D and F tiers having average bankcard utilization rates of 68% and...

Published: October 25, 2012 by admin

The August 2012 edition of the S&P/Experian Consumer Credit Default Indices showed that bankcard, first-mortgage and second-mortgage default rates hit new post recession lows....

Published: October 7, 2012 by admin

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