Complimentary webinar series:
Finding the opportunity in today’s risky lending environment
Headlines around the world have brought the current credit crisis and the associated economic consequences into sharp focus. Experian’s Market Insight studies examine underlying credit trends for consumers and small business owners, providing an illuminating view of what’s changed. Preview the videos below for more details.
Register here to view the on-demand Webinar series, Finding opportunity in today's risky lending environment.
Small-business owner payment priorities: business obligations versus mortgages
How is the mortgage meltdown affecting small businesses? Traditionally, small business owners paid their mortgage first. But Experian’s analysis found that business owners are willing to sacrifice their homes to keep their businesses going and maintain that steady flow of income.
Shifting consumer delinquency trends and the potential impact on lending policies
The mortgage meltdown is having an unprecedented impact on our consumer economy. Previously, conventional wisdom told us that subprime consumers are the most risky. However, certain segments of prime consumers are reaching unexpected risk levels.
To shed light on the current credit crisis and how the unprecedented economic events have affected lending across the board, Experian examined the credit trends and payment behaviors of consumers and small business owners. The studies analyze mortgage, bankcard and automotive financing for both prime and subprime consumers to uncover changes in their payment behavior and the geographies most affected.
The results are surprising, but provide crucial insight on how the mortgage crisis has affected all areas of lending.
This site provides you with statistically valid analysis compiled from Experian credit data. This information provides an exploration of the mortgage crisis and its impact in all areas of consumer lending – from automobile loans to small business loans.
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Market Insight Snapshot - Small businesses continue to feel the squeeze as credit tightens - One of the biggest factors inhibiting the growth of small businesses is the continued lack of access to capital. Small businesses can play a significant role in the nation's economic recovery, but the lending market must regain the confidence to assume the risk associated with infusing capital into our small-business base.
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Market Insight Snapshot - Consumer loan process: Adapting to a new economy - The consumer loan process has been transformed at all points due to the ongoing economic turmoil. From the consumer seeking a loan to the underwriting process and bank criteria – all points on the lending continuum are adapting to reflect the new economic realities. Both financial institutions and consumers can benefit from an awareness of the shift in lending policies.
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Market Insight Snapshot - Still a bumpy road for auto financing - National economic uncertainty continues to present significant challenges to the automotive finance market, requiring many lenders to accommodate the volatile market by adjusting lending practices. The most recent quarterly credit trend analysis from Experian Automotive compares data from the second quarter, 2008, with the second quarter, 2009, and offers analysis of the first half of 2009.
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Market Insight Snapshot - Understanding the state of small-business risk - Over the last two years, small-business credit risk has increased at a distressing rate. This Experian study highlights trends in the rate of small-business bankruptcies and other key risk indicators as well as examines the health of businesses before and after the economic downturn.
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Market Insight Snapshot - Most creditworthy consumers also are most likely to be identity theft victims - Experian has found a significant connection between consumers' high credit scores and the propensity for identity fraud victimization. This report illustrates that connection, posts a possible cause and offers suggestions for combating the problem of identity fraud.
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Market Insight Snapshot — With age comes wisdom…and a higher credit score - Experian has found that the U.S. population seems to grow wiser regarding their credit management as they age. This report examines the factors that contribute to individuals older than 60 having significantly higher credit scores than younger consumers.
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- Press release
New Experian Research Highlights Shifting Consumer Delinquency Trends - Experian's findings suggest that the conventional wisdom — consumers who hold a mortgage are less risky than those who don't — may need to be rethought in light of the mortgage market turmoil.
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- White paper
Shifting consumer delinquency trends and the potential impact on lending policies - This study identifies delinquency trends associated with mortgages across the subprime and prime consumer risk segments to uncover the shifting patterns in consumer payment behavior and the geographies most affected.
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- Press release
New Experian Research Highlights the Effects of the Mortgage Meltdown on Small Businesses - Experian's research shows that because of deteriorating equity, high mortgage payments and limited refinancing options, business owners with severe mortgage delinquency chose to ensure the business' survival, preserving their source of income at the risk of losing their home.
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- White paper
Impact of the mortgage meltdown on small businesses - This study's findings went against conventional wisdom and found that small-business owners value their business assets above their personal residences.
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