Learn from Our
Data Insights
We publish interesting insights that we find within our data and other news.
Learn from Our
Data Insights
We publish interesting insights that we find within our data and other news.
Quarterly Consumer Loan Charge-Off Rate Prediction
The RDS Business Intelligence team just released its latest predictions for quarterly consumer loan charge-off rates. This is our 27th such set of predictions. The Federal Reserve Bank will soon [...]
Quarterly Consumer Loan Charge-Off Rate Prediction
The Federal Reserve Bank just reported the Consumer Loan Charge-off Rate (CLCOR) for the fourth quarter of 2022. According to the data published back in Nov 2022, the total seasonally [...]
RDS Housing Market Update
The RDS Business Intelligence team recently updated its Econometrix Tableau real estate dashboards: CLICK HERE MORTGAGE RATES After hitting a 20-year high of 7.08% in November of 2022, the rate [...]
Optimizing Collections with A.I. Part 2
This is the last of a two-part series on the power of using Artificial Intelligence to optimize a profitable return on collections. In PART I, we reviewed the RDS [...]
Optimizing Collections with AI: Part 1
This is the first in a series of posts focused on how advanced data analytics, artificial intelligence and machine learning are redefining the collections process. Today we launch a two-part [...]
Asset Identification in Debt Recovery
One of the biggest challenges in the debt management and collection industry is effective assessment of projected returns on debt portfolios. Some of the difficult questions to address include: What [...]
CFPB Consumer Complaints Still at Record Highs
The Recovery Decision Science Business Intelligence team has updated its CFPB Complaints Dashboard on its Public Tableau page. The data is current through the end of December, 2022. The dashboard [...]
Unifund 2022: Year in Review
As a pioneering company in the collections industry, since 1986, UNIFUND has been a leading partner to major banks, financial institutions, and other creditors for purchasing and managing distressed consumer [...]
Analytics in Debt Collection: Prioritizing Accounts for Collections
This is the first in a series of posts discussing how Recovery Decision Science is using advanced data analytics to revolutionize the debt collection industry. OVERVIEW One of the biggest [...]
U.S. Unemployment Rate Returns to Pre-Pandemic Levels
The U.S. unemployment rate stands at 3.7% through October, nearly matching the pre-pandemic rate of 3.3% in February 2020. With the exception of the February, 2020, we are now at [...]
Analytics-Driven Master Servicing
If you are a financial institution that offers credit in any form, it’s likely that you face one or both of the following challenges: You do not have your own [...]
A Look at Rising Credit Card Debt
The Federal Reserve just released its report on household debt, which reached $16.51 trillion in the 3rd quarter. Total debt rose $351 billion versus the previous quarter, representing the most [...]
Quarterly Consumer Loan Charge-Off Predictions
The Federal Reserve Bank will soon report the Consumer Loan Charge-off Rate (CLCOR) for the second quarter of 2022. According to the data published on Aug 22nd 2022, the total [...]
Mortgage Rates at a 20-Year High
The RDS Business Intelligence team recently updated its Real Estate dashboards on its Tableau Public page. CLICK HERE to check out all of the interactive dashboards on our Tableau Public [...]
U.S. Unemployment Rate Holds Steady
Using interactive dashboards on our Tableau Public site, the Recovery Decision Science Business Intelligence team has been tracking changes in the labor market since the early days of the pandemic [...]
Consumer Complaints to the CFPB Fell 20% in September
The Recovery Decision Science Business Intelligence team has updated its CFPB Complaints Dashboard on its Public Tableau page. The data is current through the end of September, 2022. The dashboard [...]