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Credit Bureaus

Welcome to the News View for "Credit Bureaus".

Here, on these archive pages, you'll find all of the articles on Payments News for Credit Bureaus listed in date sequence beginning with the most recent article at the top of the page.

Click here for a complete listing of what's available in the Payments News Archive - organized by both posting date and subject category.

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January 02, 2014

Headline News from PaymentsNews.com - January 2, 2014

Next Glenbrook Payments Boot Camps: Feb 4-5 in Palo Alto, CA; March 18-19 in New York City. Alternatively, you can request a private Payments Workshop held on-site at your location.

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November 11, 2013

Headline News from PaymentsNews.com - November 11, 2013

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Updates from Glenbrook:

  • Looking for consulting help from Glenbrook? Let us know your needs here - and we'll get right back to you!
  • Join Glenbrook's Carol Coye Benson and Scott Loftesness for our Glenbrook Payments Boot Camp on December 10-11th in Palo Alto, California!
  • Glenbrook's Jacqueline Chilton will be speaking social media and payments at the W.net Northern California LINC Networking event being held November 14 at Google.
  • Join our mailing list for updates about Glenbrook events. Follow us on Twitter: @paymentsnews and @paymentsviews

October 29, 2013

Headline News from PaymentsNews.com - October 29, 2013

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Updates from Glenbrook:

  • Looking for consulting help from Glenbrook? Let us know your needs here - and we'll get right back to you!
  • Join Glenbrook's Carol Coye Benson and Scott Loftesness for our Glenbrook Payments Boot Camp on December 10-11th in Palo Alto, California!
  • Glenbrook's Elizabeth McQuerry will be speaking on New Payments Regulation in Brazil at the International Money Transmitter Conference in Miami, Nov 4-7, 2013.
  • Join our mailing list for updates about Glenbrook events. Follow us on Twitter: @paymentsnews and @paymentsviews

September 30, 2013

Headline News from PaymentsNews.com - September 30, 2013

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Updates from Glenbrook:

  • Join us for our new series of Glenbrook Payments Boot Camps coming this October - 8th/9th in the San Francisco Bay Area and 23rd/24th in New York City!
  • Glenbrook's Allen Weinberg and Erin McCune will be at Money2020 in Las Vegas October 6-10 - please reach out to them directly to catch up in person or set up a briefing at the conference. Erin will be moderating an Invoicing, Billing & Collections panel with Bill.com CEO Rene Lacerte, Billtrust CEO Flint Lane and Billhighway Chairman Vince Thomas.
  • Glenbrook's Elizabeth McQuerry will be speaking at this year's NACHA Global Payments Forum on October 17-18 in New York City. She'll be speaking on the topic "Mobile Payments, Interoperability & Faster Funds Transfer".
  • Glenbrook's Carol Coye Benson will be speaking at this year's American Bankers Association Annual Convention on October 20-22 in New Orleans. She'll be participating in a panel discussion on The Future of the Payments Industry.
  • Join our mailing list for updates about Glenbrook events. Follow us on Twitter: @paymentsnews and @paymentsviews

September 17, 2013

Headline News from PaymentsNews.com - September 17, 2013

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Updates from Glenbrook:

  • Join us for our new series of Glenbrook Payments Boot Camps coming this October - 8th/9th in the San Francisco Bay Area and 23rd/24th in New York City!
  • Glenbrook's Allen Weinberg and Erin McCune will be at Money2020 in Las Vegas October 6-10 - please reach out to them directly to catch up in person or set up a briefing at the conference. Erin will be moderating an Invoicing, Billing & Collections panel with Bill.com CEO Rene Lacerte, Billtrust CEO Flint Lane and Billhighway Chairman Vince Thomas.
  • Glenbrook's Elizabeth McQuerry will be speaking at this year's NACHA Global Payments Forum on October 17-18 in New York City. She'll be speaking on the topic "Mobile Payments, Interoperability & Faster Funds Transfer".
  • Glenbrook's Carol Coye Benson will be speaking at this year's American Bankers Association Annual Convention on October 20-22 in New Orleans. She'll be participating in a panel discussion on The Future of the Payments Industry.
  • Join our mailing list for updates about Glenbrook events. Follow us on Twitter: @paymentsnews and @paymentsviews

July 31, 2013

Headline News from PaymentsNews.com - July 31, 2013

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June 21, 2013

Headline News from PaymentsNews.com - June 21, 2013

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Upcoming from Glenbrook:

  • Summer Camp! - A special summer session of our popular Payments Boot Camp - in Half Moon Bay on August 6th and 7th... Also, an optional half day course on Data In Payments - August 8th, also in Half Moon Bay. Join Carol, Scott and Russ for lively, interactive sessions - register now!
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August 09, 2010

Credit Card Trends of the Top 20 Major US Metropolitan Areas

experian_logo_140px.pngExperian has released its findings on credit card trends, which provide insight into U.S. card usage. The results show that "New Yorkers lead the way with the highest number of open cards, and Phoenix residents have the fewest. A closer look at New York reveals that while its residents have more open cards, the data shows they aren't using those cards as much as some of the other cities, such as Atlanta, where the highest average monthly balance is $6,753 on revolving accounts. San Francisco and Houston have the lowest average monthly balance, with $5,323 and $5,328, respectively."

June 23, 2010

TransUnion, ID Analytics Introduce New Credit Optics Plus Score

TransUnion and ID Analytics have introduced a new credit risk score – ID Analytics Credit Optics Plus – that the two companies say "examines conventional measures of creditworthiness, willingness and ability to pay, in combination with a new dimension, stability, in a single solution. This powerful combination provides a 360-degree view of consumer behavior and enhances the predictiveness of credit decisions, often resulting in a performance lift for lenders." READ MORE »

February 03, 2010

More Consumers Making Payments on Credit Cards Before Mortgages

A new study by TransUnion confirms that the "new" payment hierarchy -- where consumers pay their credit cards prior to their mortgages -- is continuing, with the trend occurring more readily than ever before. READ MORE »

December 28, 2009

Moneta, Equifax Partner to Add Instant Credit Options

Moneta has announced an agreement with Equifax "to utilize the Equifax credit decisioning system for a new instant credit feature for Moneta’s online payment wallet. Merchants accepting Moneta payments may now offer a range of bank-sponsored funding options to their customers including checking, savings, money market and now instant transactional credit lines underwritten by the sponsoring bank." READ MORE »

December 22, 2009

Equifax Finds U.S. Consumer Payment Trends Continue to Deteriorate

Consumer delinquency rates for bankcards, first mortgages and home equity lines of credit again rose month-to-month in November, according to Equifax's monthly Credit Trend Report.

Bankcard issuers continued a year-long trend of closing accounts and reducing credit lines. Card risk management programs have accelerated since July of 2008, reducing card credit lines by $803 billion and the number of accounts by 93 million. Delinquency rates for bankcards picked up notably since the end of 2008 in tandem with rising unemployment. The November 2009 60-days-past-due rate of 4.62 percent is almost a full percent higher than the November 2008 rate of 3.76 percent. However, the rate still remains below the peak of 4.79 percent in May 2009. READ MORE »

October 13, 2009

Equifax Details Credit Trends as Consumers Save, Cut Credit Cards

Equifax_logo-140px.jpgConsumers continue to fight the recession by saving more and paying off debt, banks are responding with more careful lending, and stressed homeowners increasingly are falling behind on mortgages on their primary residence, according to the latest Equifax Credit Trends Report for September 2009. READ MORE »

October 05, 2009

TransUnion Adds ID Analytics Solutions

TransUnion_logo-140px.jpgTransUnion and ID Analytics have announced that TransUnion will include ID Analytics' collections, credit, and identity risk solutions in TransUnion's portfolio of service offerings. According to the two firms, "ID Analytics' scores provide TransUnion customers with unique, real-time insight into consumers' fraud risk and creditworthiness across the entire lifecycle including origination, portfolio management and collections. The two companies are jointly delivering a suite of solutions that reduce credit losses, improve collection efforts, and reduce costs associated with fraudulent transactions." READ MORE »

July 21, 2009

Equifax, FICO Deliver New Credit Capacity Index

Equifax_logo-140px.jpgEquifax and FICO have introduced the Credit Capacity Index to give lenders and credit grantors easy access to a unique analytic tool to better assess consumer credit risk. The Index is "the first forward-looking risk management tool that rank-orders consumers based on their ability to take on future debt. Available through Equifax, Credit Capacity Index enables lenders to strengthen their account acquisition and account management strategies while minimizing exposure to potential losses while not burdening consumers with too much debt." READ MORE »

July 09, 2009

TransUnion's Consumer Credit Risk Index Hits Record Level

TransUnion_logo-140px.jpgTransUnion has announced that it TransUnion Credit Risk Index, a statistic developed to measure the changes in average consumer credit risk within various geographies, increased 1.98 percent from 124.79 in the fourth quarter of 2008 to 127.26 in the first quarter of 2009. On a year-over-year basis, the Credit Risk Index increased 7.10 percent (from 118.83 in the first quarter of 2008), the largest increase for that time period in this decade. The Credit Risk Index is defined as the weighted average probability of 90-day delinquency or worse among consumers in a given region relative to the nation as a whole. READ MORE »

July 07, 2009

Equifax Launches Debt Wise for Consumers

Equifax_logo-140px.jpgEquifax has launched Debt Wise, a new product that uses information from the Equifax Credit Report to consumers to free themselves from debt--faster. According to Equifax, "Debt Wise effectively eliminates one of the biggest hurdles for many debt laden consumers -- getting started. Subscribers can create their personal debt payment plan online in as little as 10 minutes, in the privacy and comfort of their own home." READ MORE »

June 21, 2009

A Disturbing Look at Credit Scores

worried man at desk-140px.jpgIn an article titled "Credit Score Shell Game", Nancy Trejos writes in Sunday's Washington Post about consumer frustrations with credit scores - how their credit scores are falling as a result of arbitrary credit line reductions or account closures by issuers. And, to add frustration, Trejos finds that "people who try to take matters in hand and pay to find out their credit scores discover that it can be difficult to learn the score that lenders actually use to evaluate them."

March 31, 2009

FICO Introduces New Bankcard and Auto Credit Scores

FICO has announced the release of its newest FICO scores targeted specifically to the automobile lending and bankcard industries. TransUnion is making the scores available to lenders and issuers under the names FICO® Risk Score, Classic Auto 08 and FICO® Risk Score, Classic Bankcard 08. READ MORE »

March 26, 2009

The Impact of Credit Line Reductions on Consumer FICO Scores

Seeking Alpha has a good article this morning about the potential impact of credit card issuer credit line reductions on consumer FICO credit scores - creating a whole new segment of consumers who will migrate down to subprime status as a result of issuer actions, not actions taken by the consumers.

February 03, 2009

Experian, PredictiveMetrics Launch PriorityScore for Collections

Experian and PredictiveMetrics have announced the launch of PriorityScore for Collections - "a suite of collection scoring models blending Experian's credit reporting agency data with client-supplied data that produces an accurate ranking and predictive forecast of consumer repayment amounts." READ MORE »

December 17, 2008

LifeLock Enters Into Agreement With TransUnion

LifeLock has announced that it has entered into "an agreement that will leverage TransUnion's secure, automated processes to expedite and enhance the delivery of identity theft services that LifeLock currently provides to its members." READ MORE »

December 10, 2008

US Credit Card Industry Trends from TransUnion.com

TransUnion.com has released the results of its analysis of trends in the credit card lending industry for the third quarter of 2008. The report is part of an ongoing series of quarterly consumer lending sector analyses focusing on credit card, auto loan and mortgage data that may be found on TransUnion's Web site. READ MORE »

July 14, 2008

TransUnion Launches Payment Behaviour Score

TransUnion has announced the launch of Payment Behaviour Score - described as "a new score to improve the effectiveness of acquisition and portfolio reviews for credit card businesses. This scoring solution is designed to strengthen relationships with cardholders and enhance the portfolio management strategy for the credit card providers." READ MORE »

June 30, 2008

MicroBilt Invests in PRBC, Teams on Thin-File Creditors

MicroBilt and PRBC have announced are that they are "teaming to help small-to-medium (SME) enterprises and financial institutions conduct more business with an estimated 50-70 million American consumers with “thin” or no established credit histories. The two companies will merge payment data collected by MicroBilt and PRBC in PRBC’s data repository to help more consumers qualify for FICO® Expansion® scores used by lenders and financial institutions in underwriting new loans. As part of the agreement, MicroBilt will make an equity investment in PRBC." READ MORE »

June 10, 2008

Equifax, Fair Isaac Partner for Analytics, Scoring Solutions

Equifax and Fair Isaac have announced a partnership "to develop and sell advanced analytics and scoring solutions for businesses and consumers. Under the agreement, the two companies will leverage Equifax's consumer credit data and Fair Isaac's scoring technology, and will jointly market and sell new FICO analytic products." READ MORE »

May 12, 2008

FHA Encourages Lenders to Use Bill Payment Data for Loans

PRBC, a bill payment credit bureau, has announced that its credit verification, reporting and scoring procedures meet or exceed new guidance provided by the Federal Housing Administration (FHA) for verifying "bill payment" histories and establishing credit scores for borrowers with little or no traditional credit files or FICO scores. READ MORE »

April 22, 2008

Experian, Credit Builders Alliance Announce Data Reporting Partnership

Experian and Credit Builders Alliance (CBA) have announced the launch of a data-reporting partnership that enables CBA's members to report microloan repayment data to Experian to help thousands of small business entrepreneurs build a credit history. READ MORE »

April 16, 2008

A Look at PRBC

In an article titled The Credit Rating in Your Shoe Box, Ben Levisohn and Brian Burnsed write for Business Week about Pay Rent, Build Credit (PRBC). "They've captured the attention of lenders right now who want growth in new markets [like the unbanked]," says Michael Turner of Political & Economic Research Council (PERC), a public policy group.

April 15, 2008

Equifax to Enter Russia through Investment

Equifax has announced that it has agreed to acquire a 28 percent equity stake in Global Payments Credit Services LLC (GPCS), a credit information company in Russia, from Global Payments Europe, s.r.o., a subsidiary of Global Payments Inc., and Home Credit and Finance Bank of Russia (Home Credit). READ MORE »

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