Tag: credit scoring
By: Staci Baker There has been a lot of talk in the news about the Dodd-Frank Act lately. According to the Dodd-Frank Resource Center of...
By: Kari Michel How are your generic or custom models performing? As a result of the volatile economy, consumer behavior has changed significantly over the last...
With the recent release of first-time unemployment applications by the Labor Department showing weaker than expected results, it comes as no surprise that July foreclosure...
By: Staci Baker For the one-third of the U.S. population that rents, in the past, rental payment history has not been included in determining...
–By Wendy Greenawalt Recently the Federal Reserve Board and Federal Trade Commission issued a new rule requiring any lender who utilizes a credit report...
By: Kari Michel The Federal Reserve’s decision to permit card issuers to use income estimation models to meet the Accountability, Responsibility, and Disclosure (CARD)...
A common request for information we receive pertains to shifts in credit score trends. While broader changes in consumer migration are well documented –...
By: Kari Michel This blog completes my discussion on monitoring new account decisions with a final focus: scorecard monitoring and performance. It is imperative...
By: Tracy Bremmer It’s not really all about the credit score. Now don’t get me wrong, a credit score is a very important tool...
— By Kari Michel What is your credit risk score? Is it 300, 700, 900 or something in between? In order to understand what...
We know that financial institutions are tightening their credit standards for lending. But we don’t necessarily know exactly how financial institutions are addressing portfolio risk...
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