Tag: consumer credit trends

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According to VantageScore® Solutions' annual validation study, VantageScore 3.0 scores 36 million incremental consumers considered unscoreable by conventional credit scoring models....

Published: July 24, 2015 by Carrie Janot

According to a recent Experian analysis, bankcard balances increased 6% year over year to $629 billion in Q1 2015, while delinquencies remained low with...

Published: June 18, 2015 by Carrie Janot

Mortgage originations kicked off Q1 2015 with a 25% year over year increase to $315 billion....

Published: May 8, 2015 by Carrie Janot

According to a new survey from Experian Consumer Services, consumers are anticipating spending more on gifts this holiday season than they did in 2013.......

Published: December 20, 2014 by Carrie Janot

The housing market continues to recover, with mortgage originations increasing 12 percent year over year, moving from $508 billion to $570...

Published: February 21, 2014 by Stacie Baker

While VantageScore® super-prime consumers carried the lowest average credit card balance of all credit tiers in Q4 2012 ($2,581), this group experienced the greatest...

Published: April 28, 2013 by admin

The most recent release of the S&P/Experian Consumer Credit Default Indices showed national credit default rates decreased in February. The national composite* moved from...

Published: April 14, 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

A vintage analysis comparing 60 or more days past due (DPD) delinquency performance at the one-year mark for mortgages originated between 2002 and 2010...

Published: May 10, 2012 by josephine.munis

A recent Experian study showed that strategic defaults accounted for 23 percent of all mortgage defaults 60 days past due or greater in Q4...

Published: April 16, 2012 by josephine.munis

Even as interest rates remain at near-record lows, mortgage originations declined for the second quarter in a row in Q2 2011 to $268 billion,...

Published: March 28, 2012 by josephine.munis

In Q3 2011, $143 billion – or nearly 44 percent of the $327 billion in new mortgage originations – was generated by VantageScore® A...

Published: March 19, 2012 by josephine.munis

While retail card utilization rates decreased slightly in Q3 2011, retail card delinquency rates increased for all performance bands (30-59, 60-89 and 90-180 days...

Published: March 12, 2012 by josephine.munis

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