Affordability

New industry body will highlight the cost of fraud in…

The government’s fraud cost estimate set to be revived. UK’s only indicator on the total cost of fraud to be launched this...

Blog - Jul 2015
Current accounts become number one fraud target

Current account fraud has now surpassed mortgage application fraud, which until now had been the biggest target - 83 out of every 10,000...

Blog - Jul 2015
Plug into our interactive fraud data

There's a world of information available at your fingertips. Simply click on the links for a first-hand...

Blog - Jun 2015
Ensuring that affordability assessments are never a road block to…

If affordability assessments are not yet compulsory in the automotive industry, then why do them? The fact is that such assessments have been shown to provide major benefits for both companies and...

Blog - May 2015
How automotive finance providers can put customers first with affordability…

Affordability assessments are not yet compulsory in the automotive industry, like they are for other forms of credit; at least for now. That means you can decide exactly who to lend to, and on what...

Blog - Apr 2015
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