Tag: VantageScore
The average unscoreable consumer has a good job and a better-than-adequate credit profile. Sixty-one percent of unscoreable consumers hold professional level or skilled labor...
According to a recent survey that asked Americans about their understanding of credit scores 83 percent have checked their credit scores and nearly half...
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...
Bankcard originations have continued to increase, with Q3 2012 originations increasing 32 percent over Q3 2011. On average, 66 percent of the population now...
As of Q2 2012, subprime borrowers are carrying the largest retail card balances, with an average card balance per account of $620 and $700...
Not surprisingly, bankcard utilization is the highest among subprime consumers with VantageScore D and F tiers having average bankcard utilization rates of 68% and...
In Experian’s recent State of Credit study which analyzes credit scores in more than 100 cities, Minneapolis took the number one spot, with an...
The average bankcard balance per consumer in Q2 2012 was $4,170, which is 4 percent higher when compared to the same quarter of the...
When it comes to short sales, a status of “account paid in full for less than full balance” or “settled” will still have a...
Some borrowers who are deemed subprime by traditional credit scoring criteria are actually quite creditworthy and are identified as prime or near-prime consumers when...
A recent study compiled by VantageScore Solutions found that default risk associated with mortgage originations has improved. The likelihood that a borrower will become...
The average bankcard balance per consumer rose to $4,359 in Q1 2012 – an 8 percent increase from the previous quarter. The increase resulted...
The strongest growth in new bankcard accounts is occurring in the near-prime and subprime segments of VantageScore® C, D and F. Year-over-year (Q1 2011...
A recent Experian credit trends study showcases the types of debts Americans have, the amounts they owe and the differences between generations. Nationally, the...
For as long as there have been loans, there has been credit risk and risk management. In the early days of US banking, the...
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