Posts by Credit Analytics Insights & Trends
by July 13, 2012,
Risk Management
- by Veronica Herrera As a scoring manager, this question has
always stumped me because there was never a clear answer. It simply
meant less than prime – but how much less? What does the term
actually mean? How do you quantify something so subjective? Do you
assign it a credit score? Which one?...read more
by June 12, 2012,
Risk Management
-by Veronica Herrera 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 population with a prospecting
score on top of a risk score; locate the riskiest of all consumers
by layering a bankruptcy score with...read more
by April 13, 2012,
Risk Management
- by Alan Ikemura Up to this point, I’ve been writing about loan
originations and the prospects and challenges facing bankcard, auto
and real estate lending this year. While things are off to a
good start, I’ll use my next few posts to discuss the other side of
the loan equation: performance. If...read more
by April 3, 2012,
Risk Management
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 to give a more
complete view into a consumer’s true profile. Let’s start with
bankruptcy scores. You use a risk score to capture...read more
by March 16, 2012,
Customer Acquisitions
- by Alan Ikemura In my last two posts on bankcard and auto
originations, I provided evidence as to why lenders have reason to
feel optimistic about their growth prospects in 2012. With
real estate lending however, the recovery, or lack thereof looks
like it may continue to struggle throughout the...read more
by February 24, 2012,
Customer Management
- by Alan Ikemura If you attended any of our past credit trends
Webinars, you’ve heard me mention time and again how auto
originations have been a standout during these times when overall
consumer lending has been a challenge. In fact, total
originated auto volumes topped $100B in the third...read more
by February 10, 2012,
Risk Management
-- by Veronica HerreraFor as long as there have been loans, there
has been credit risk and risk management. In the early days of US
banking, the difficulty in assessing risk meant that lending was
severely limited, and many people were effectively locked out of
the lending system. Individual review...read more
by February 3, 2012,
Risk Management
- by Stacie Baker Just before the holidays, the Fed released
proposed rules, which implement Sections 165 and 166 of the
Dodd-Frank Act. According to The American Bankers Association,
“The proposals cover such issues as risk-based capital
requirements, leverage, resolution planning, concentration...read more
by January 27, 2012,
Customer Acquisitions
- by Alan Ikemura As we kick off the new year, I thought I’d
dedicate a few blog posts to cover what some of the consumer credit
trends are pointing to for potential growth opportunities in 2012,
specifically on new loan originations for bankcard, automotive and
real estate lending. With the holiday...read more
by August 29, 2011,
--by Kari Michel The way medical debts are treated in scores may
change with the introduction of June 2011, Medical Debt
Responsibility Act. The Medical Debt Responsibility Act would
require the three national credit bureaus to expunge medical
collection records of $2,500 or less from files within...read more
