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Neutralise hidden risks in your mortgage book

By putting data at the heart of their decisions, mortgage providers can be confident that they are making responsible lending decisions and protecting the people they are lending to, while at the...

Blog - Jan 2015
The Mortgage Market review: Six months on…

It’s now six months since the new lending rules came into force. So has the Mortgage Market Review (MMR) contributed to a more sustainable market that serves the needs of customers better or has it...

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
Homeowners face affordability squeeze when rates rise

The affordability of mortgage repayments is once again under the spotlight following recent comments by the Governor of the Bank of England that “gradual and limited” increases in interest rates...

Blog - Jul 2014
Customer acquisition: under the microscope

Regulation, cost pressures and increasing complexity are all adding to credit teams' challenges. Nick Vanstone, Experian Decision Analytics Consultant, looks closer at the challenges of acquiring...

Blog - Oct 2013
Data and the board

Credit risk has become a strategic issue. There has never been a time at which customer insight has been so closely reviewed at board level. Read on to see how financial institutions can adopt new...

Blog - Sep 2013
Credit today and the new ‘normal’

In a challenging environment, the credit industry is being forced to continually evolve and cope with the trading conditions. Although volumes of new lending are more stable, the credit industry...

Blog - Aug 2013
Innovation in a competitive climate: can you rise above the…

The face of lending is changing noticeably. Since the credit crisis of 2007, managing risk is high on the agenda and banks are rightly tentative about extending credit. New regulations imposed by the...

Blog - Dec 2012