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Two key behavioral trends beyond balance test
Collectex
As the Australian economy move forward in 2018, consumers are becoming more responsible with their credit card usage. Average balances per card have increased, while delinquency has remained stable.
Risk score alone doesn’t provide the most accurate insight into consumer accounts. You need to dig deeper into individual accounts to uncover behavioral trends over time to ...
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Utilities and telco companies expand a consumer’s credit file
Collectex
The lending environment forever changed in 2008 thanks to the GFC. Up went more restrictions, the need for stricter compliance, and a more risk-averse lending climate. Sure, financial institutions have since lowered some of the lending hurdles, but it can still be challenging for a consumer to rebuild or establish credit.
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