All posts by Jonathan Westley

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Consumer Credit Trends...

Working closely with you, our consultants and analytics experts, we’ve identified some key trends in the consumer credit market – particularly regarding mortgages and motor fin...

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How lenders can make customer relationships personal...

On its own, credit data can’t help you deliver the personalised, proactive service your customers want. You also need to understand the full picture of each individual person to return the human element to financial s...

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Rental data: Expanding financial access and inclusion...

Despite new technologies and widespread innovation in financial services, there are still a lot of people who are ‘underserved’. Lenders and society alike could be missing out on a huge opportunity if this population continues to be ove...

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Personal insolvencies fall to pre-recession levels but...

New figures published by Experian, illustrating where and for whom UK personal insolvencies are most prevalent, reveal the number of people being declared insolvent has fallen to pre-recession levels, with some towns showing markedly improved rates compared to the same period last year. Despite these findings, the figures also...

Read More Personal insolvencies fall to pre-recession levels but who is still vulnerable?
Taking on the consumer affordability challenge...

The world of lending to individuals is not what it used to be. Once a key element in creating growth, it now faces a battle on various levels from three different stakeholders - the regulators, struggling borrowers and the media. The common theme is...

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Borrowing Britain’s affordability challenge...

In January 2014 Experian provided the BBC with new analysis highlighting where people in Britain are struggling to keep on top of their debts. Using a combination of public records, lifestyle surveys and aggregated information from our credit reference agency about how we all pay our bills, we created...

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Credit scoring boost for 93% of social housing tenants...

A massive 93 per cent of social housing tenants would receive a welcome boost to their credit ratings if information about their regular rent payments is shared through the Rental...

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What is responsible lending?...

Responsible lending is to act in a customer’s best interests, ensuring affordability, transparency of terms and conditions and supporting a borrower if they experience repayment d...

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The clamp down on conduct...

Lenders will face tough new standards for customer interaction from 1 April 2013, when the UK’s new financial services regulator, the Financial Conduct Authority (FCA), will begin to apply measures to reduce ‘conduct risk’, placing customer needs at the heart of finance strategy, aiming to make certain that a...

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