Tag: credit attributes

As industry experts are still unsure when the economy will fully recover, re-entry into marketing preapproved credit offers seems like a far-off proposal. However,...

Published: October 6, 2020 by Eric Johnson

Changing consumer behaviors caused by the COVID-19 pandemic have made it difficult for businesses to make good lending decisions. Maintaining a consistent lending portfolio...

Published: September 15, 2020 by Alison Kray

Last week, the unemployment rate soared past 20%, with over 30 million job losses attributed to the COVID-19 pandemic. As a result, many consumers...

Published: May 4, 2020 by Kelly Nguyen

As financial institutions and other organizations scramble to formulate crisis response plans, it’s important to consider the power of data and analytics. Jim Bander,...

Published: April 21, 2020 by Kelly Nguyen

This is the second in a series of blog posts highlighting optimization, artificial intelligence, predictive analytics, and decisioning for lending operations in times of extreme uncertainty....

Published: April 20, 2020 by Jim Bander

A few months ago, I got a letter from the DMV reminding me that it was finally time to replace my driver’s license. I’ve...

Published: October 3, 2019 by Alison Kray

According to our recent research for the State of Alternative Credit Data, more lenders are using alternative credit data to determine if a consumer...

Published: May 25, 2018 by Guest Contributor

Trended attributes and consumer lending Digging deeper into consumer credit data can help provide new insights into trending behavior, providing more than just point-in-time...

Published: March 9, 2018 by Guest Contributor

With 81% of Americans having a social media profile, you may wonder if social media insights can be used to assess credit risk. When...

Published: November 9, 2017 by Guest Contributor

By: Teri Tassara In my blog last month, I covered the importance of using quality credit attributes to gain greater accuracy in risk models. ...

Published: January 10, 2014 by Guest Contributor

Previously, we looked at the various ways a dual score strategy could help you focus in on an appropriate lending population. Find your mail-to...

Published: June 12, 2012 by Veronica Herrera

Last month, I wrote about seeking ways to ensure growth without increasing risk.  This month, I’ll present a few approaches that use multiple scores...

Published: April 3, 2012 by Veronica Herrera

As our newly elected officials begin to evaluate opportunities to drive economic growth in 2011, it seems to me that the role of lenders...

Published: February 1, 2011 by Kelly Kent

By: Kari Michel Lenders want to find new customer through more informed credit risk decisions and use new types of data relationships to cross-sell.  ...

Published: March 24, 2010 by Guest Contributor

A recent article in the Boston Globe talked about the lack of incentive for banks to perform wide-scale real estate loan modifications due to...

Published: January 6, 2010 by Kelly Kent