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With declining asset valuations, consumer credit risk deterioration, increasing write-downs and contracting credit markets, the weaknesses in the data and analytics currently utilized in the securitization market have been exposed. Liquidity has diminished, and investors are demanding greater clarity and transparency. Experian®, a trusted global leader in providing value-added information services, is ready to help. Experian’s robust data assets on more than 215 million consumers and nearly 600 million automobiles can be leveraged to drive significant improvements in determining marks and in evaluating, managing and monitoring risk.
Experian offers a suite of established and new products and services specifically tailored to help you gain innovative and actionable insight to navigate through these tough times.
Trade with real-time information
Enhanced pricing, quality control and servicing via real-time consumer credit, fraud, income, and consumer contact information and quantitative analytics.
Predict collateral value
Improved prediction of future asset values based on refreshed consumer credit data and analytics combined with locality-level credit metrics that impact property values and vehicle history reports that impact auto values.
Justify better marks
Compare underlying consumers in the portfolio or security with the rest of the market using portfolio differentiation through benchmarking and trend analysis of real-time credit characteristics, predictive behavioral scores, demographics and distributions.
Mitigate loss through loan modification
More profitable identification of loan modification needs and implementation of loan modification strategies based on unique data sources and analytics.
Increase investor transparency
Portfolio trending, monitoring and benchmarking of trends in credit scores and predictive credit metrics.
Experian’s industry best practices, thought leadership and strategic partnerships are helping top investment banks, servicers and institutional investors assess both whole loan portfolios and securities in a new and more comprehensive manner. Through the heightened and magnified power of a consumer-level lens, Experian combines the consumer’s entire credit history, current behavior across all credit obligations and predicted future behavior into a single perspective. These components are vital for accurately predicting the future performance of:
- Probability of default
- Loss given default
- Asset value
To learn more about Experian’s capital markets products and services, please contact Matt Schwab at 1 972 390 5973 or matt.schwab@experian.com.
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Experian is a member of the American Securitization Forum.
Clayton Holdings
Experian has established a strategic alliance with Clayton Holdings.
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