Bankcard originations had a 32 percent year-over-year increase in Q4 2013 ($61 billion to $81 billion).

In an effort to understand consumer needs better and help lenders educate their customers, VantageScore® Solutions surveyed more than 200 lenders nationwide on the topic of score reason codes.

Auto financing became easier to obtain in Q4 2013 and the market share for new vehicle loans in the nonprime, subprime and deep-subprime credit tiers increased slightly to 34.1 percent of all new loans, up from 32.8 percent in Q4 2012.