Credit Risk Management

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Consumer spending still leading the way...

The second estimate of GDP was unrevised from the first, confirming growth at 0.5% q-o-q in 2015q3, after 0.7% in 2015 Q2. Solid growth in services at 0.7% outweighed weakness in manufacturing, where output shrank by...

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Affordability: An approach that pre-qualifies customer...

Aligning expectations with reality through pre-qualification can help you to avoid the kind of mismatch that sits behind a lot of human disappointment. How much better will customers feel about the loan process when they know they’re likely to get the keys to the new house they’ve just fallen...

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UK consumer price deflation continues in October...

The Consumer Price Index (CPI) fell by 0.1% in the year to October, the same as in the year to September. This was in line with Experian’s expectations and continued the trend of inflation hovering around the zero mark which has been evident throughout this y...

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Affordable homes shortage puts property availability a...

A fall in the number of affordable homes being put up for sale has driven overall property availability in the UK to its lowest level since 2011. A quarter of a million new properties went on sale between July and September this year, three per cent lower than the...

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Renting versus Buying...

Many first-time buyers are debating renting versus buying and asking: is it worth saving for the seven years that it typically takes to save for a...

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Data analytics helps housing associations...

With the shift in housing benefit payments being made to individuals, coupled with recent welfare reforms and the rising cost of living, the risk of missing a rent payment has never been greater. Data analytics can help harness the power of your data to help you predict and safeguard...

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The Changing Face of Collections...

Good collections practices are an opportunity to combine sensible business with compassion – and it’s easier to be compassionate when you’re well infor...

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Is Rent Payment Information Changing the Credit Landsc...

The Rental Exchange makes vital information about rental payments available to lenders, so that you get added insight into affordability, through more complete credit scoring. By having the most comprehensive view of your customers’ financial situations, you have the best chance to lend responsibly and prevent f...

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Current account switchers top two million within two y...

More than two million bank customers have opted to use the seven-day account switching service within the first two years of the service's...

Read More Current account switchers top two million within two years of seven-day service launch