INDUSTRY INNOVATION LUNCH: USING THE LATEST CONSUMER CREDIT RISK INSIGHTS TO FIND LENDING OPPORTUNITIES

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As we near the end of the recession where credit quality has deteriorated across the credit spectrum, competitive lenders must strategically target creditworthy consumer segments for lending opportunities, while avoiding the pockets of the population that may continue to deteriorate in credit quality.  This session will provide insights into how to find the right credit quality consumers within the changed environment.  Additional areas examined include shifting systemic risk, credit score migration and the impact to credit scores from mortgage modifications.  

Topics to be covered include:

• Insights into how consumer credit quality and consumer credit scores have changed over the last two years.
• Understand the impact to consumer credit scores from various mortgage loan modification actions.
• Shifts in consumer payment behavior.
• Unique development characteristics of the VantageScore credit score model