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,...
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...
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...
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,...
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....
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...
According to our recent research for the State of Alternative Credit Data, more lenders are using alternative credit data to determine if a consumer...
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...
With 81% of Americans having a social media profile, you may wonder if social media insights can be used to assess credit risk. When...
By: Teri Tassara In my blog last month, I covered the importance of using quality credit attributes to gain greater accuracy in risk models. ...
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...
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...
As our newly elected officials begin to evaluate opportunities to drive economic growth in 2011, it seems to me that the role of lenders...
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. ...
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...
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