Content written by Jonathan Westley

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...

Blog - Jan 2016
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...

Blog - Jan 2015
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...

Blog - Dec 2014
Personal insolvencies fall to pre-recession levels but who is still…

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...

Blog - Dec 2014
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,...

Blog - Nov 2014
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...

Blog - Mar 2014
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...

Blog - Nov 2013
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...

Blog - May 2013
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...

Blog - Apr 2013
Seller beware

Jonathan Westley, managing director of Experian’s Consumer Information Services business, outlines the impact and remit of the Financial Conduct...

Blog - Jan 2013