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TAG SEARCH RESULT: Experian

July 2015, F&I and Showroom - Feature

Nothing to Fear

By Melinda Zabritski

Delinquencies remained in check despite total outstanding auto loan balances rising to an all-time high, signaling a healthy automotive credit climate.

Tags: Auto Loan Terms, Auto Loans, Delinquencies, Experian, Experian Automotive, First Quarter, Melinda Zabritski, subprime

April 2015, F&I and Showroom - Feature

Ready Steady

By Melinda Zabritski

Auto finance volumes were up in every risk tier in the fourth quarter 2014, suggesting that concerns over the uptick in subprime loans are exaggerated.

Tags: Auto Loans, Delinquencies, Experian, Fourth Quarter, Melinda Zabritski, subprime

January 2015, F&I and Showroom - Feature

Traction Control

By Melinda Zabritski

A rise in delinquencies wasn’t cause for concern during the third quarter 2014, and all signs point to auto finance sources staying active in the quarters ahead.

Tags: Delinquencies, Experian, Melinda Zabritski, Third Quarter

July 2014, F&I and Showroom - Feature

Market on the Move

By Melinda Zabritski

The auto finance industry broke new ground in several reporting categories in the first quarter. But not all records are meant to be broken.

Tags: Auto Leases, Delinquencies, Experian, Experian Automotive, First Quarter, loan originations, Melinda Zabritski

October 2013, F&I and Showroom - Feature

Kicking into High Gear: Experian Quarterly Update

By Melinda Zabritski

Finance companies are buying deeper, and car buyers are rewarding them with timely payments. Credit expert breaks down the numbers for the second quarter.

Tags: auto finance, Delinquencies, Experian, Financing, loans, Melinda Zabritski

July 2013, F&I and Showroom - Feature

Balancing Act

By Melinda Zabritski

Auto finance continues to balance the need to manage risk with the need to fuel the industry’s resurgence. So far, so good, according to Experian Automotive’s latest report.

Tags: Experian, Experian Automotive, loan portfolios, Melinda Zabritski

April 2013, F&I and Showroom - Feature

Watch for Debris

By Melinda Zabritski

All signs pointed to a great fourth quarter, but there was some cause for concern — just not enough to keep cars from rolling over the curb.

Tags: Experian, First Quarter, Melinda Zabritski, Quarterly Report

August 2012, F&I and Showroom - Cover Story

Points of Pinterest

Joe Ciaccia discovered Pinterest while searching for home decorating ideas. That experience led the social media and web manager to open up an account on the social network for his Brooklyn, N.Y.-based Bay Ridge Toyota.

By Stephanie Forshee

Joe Ciaccia thinks Pinterest offers dealers what Facebook and Twitter never will. Find out what it is and how his dealership plans to capitalize on the photo-based social network.

Tags: AskPatty.com, Bay Ridge Toyota, Ben Silbermann, Dominion Dealer Solutions, Evan Sharp, Experian, George Nenni, Heather Dougherty, Jody DeVere, Joe Ciaccia, Pinterest, Ray Whitlow, social media, Stephanie Forshee, Steve Rayman Chevrolet

July 2012, F&I and Showroom - Feature

Auto Finance Keys Q1 Sales Uptick

Recent Automotive Delinquency: 30-day delinquency (top) Recent Automotive Delinquency: 60-day delinquency (bottom) How has financing on vehicles changed?

By Melinda Zabritski

Auto sales jumped out to a 14.5 million-unit pace in the opening quarter of 2012. The catalyst was a surging auto finance market in which several key metrics fell to pre-recession levels.

Tags: delinquency rate, Experian, Financing, risk distribution, vehicle loan

April 2012, F&I and Showroom - Feature

A Driving Force

By Melinda Zabritski

With strong sales driven by low interest rates and on-time payments, 2011 finished with a bang.

Tags: Auto Loans, Experian, interest rates, Vehicle Sales

January 2012, F&I and Showroom - Feature

All Lanes Open

By Melinda Zabritski

The auto finance industry is surging after a third quarter in which all lending segments increased their originations for the high-risk tiers.

Tags: Auto Loans, Delinquencies, Experian, Finance, leasing, loan originations, Originations, special finance

November 2011, F&I and Showroom - Feature

Industry Summit: Finance Execs Discuss Market Trends

Experian Automotive’s John Gray warned of the potential dangers of finance sources once again getting caught up in a race for market share.

By Gregory Arroyo

The auto finance marketplace is heating up, but executives from six top finance sources said there’s more at play than simply a race for market share.

Tags: Bank of America, Capital One Auto Finance, Experian, Finance, GM Financial, Indirect Lending, Industry Summit, Industry Summit 2011, lender strategies, subprime, TD Auto Finance, Toyota Financial Services, Wells Fargo

October 2011, F&I and Showroom - Feature

2Q Analysis: Below-Prime Goes Prime Time

By Melinda Zabritski

In the second quarter, finance sources continued their drive down into the high-risk credit tiers and consumers continued to pay on time. But the magazine’s resident finance insider wonders how long those trends can continue in this month’s review of quarterly auto finance trends.

Tags: Credit, Credit Scores, deep subprime, Delinquencies, Experian, nonprime, special finance, subprime

July 2011, F&I and Showroom - Feature

First Quarter Delivers Optimistic Outlook

By Melinda Zabritski

Delinquencies and dollar volume of at-risk loans continued to fall in the first quarter, and auto finance sources responded, with shares of loans to credit-challenged buyers increasing by 11.1 percent. Experian Automotive’s director of automotive credit provides a snapshot of other auto finance trends from the quarter.

Tags: Delinquencies, Experian, Finance, Lender, loan approval

April 2011, F&I and Showroom - Feature

Fourth-Quarter Push

By Melinda Zabritski

The auto finance market continued to drive forward in the fourth quarter of 2010, but can it continue? Experian Automotive’s director of automotive credit runs through the numbers.

Tags: Credit Scores, Delinquencies, Experian, nonprime, subprime

August 2010, F&I and Showroom - Feature

Carfax: Friend or Foe?

Tools like Carfax’s new History Impact tool are fueling today’s haggle-happy customer, but Kelley Blue Book’s James Bell says consumers aren’t unreasonable. In fact, he says most consumers understand that dealers need to make money on a sale if they are to be around to service their vehicle or perform warranty work. All they want, Bell adds, is a fair price, not the lowest price.

By Gregory Arroyo

Dealers aren’t happy about Carfax jumping into the pricing game, but market insiders say the company’s new tool isn’t what’s hurting margins.

Tags: AutoCheck, Carfax, Experian, History Impact Tool, used vehicles, value selling, Vehicle History Reports, Wholesale Pricing

June 2010, F&I and Showroom - Feature

Lanes Open for Prime Tiers

By Melinda Zabritski

Sixty-day delinquencies are on the decline and credit quality continues to improve, but lenders still favored prime customers in the first quarter.

Tags: average term, Credit Scores, Delinquencies, Experian, Finance, new-vehicle financing, Payment Plan, used-vehicle financing

May 2010, F&I and Showroom - Feature

Subprime's Fundamental Problem

By Gregory Arroyo

With more than 40 percent of the buying public now in the lower credit tiers, could franchised dealers be missing out on a prime opportunity?

Tags: Auto ABS, buy-here, pay-here , Chase Auto Finance, CNW, Experian, NABD, subprime

April 2010, F&I and Showroom - Feature

Market on the Mend

By Melinda Zabritski

The auto finance market continued to stabilize in the fourth quarter, as the crash of 2008 continues to become a distant memory. New financing, however, will remain the domain of the prime and superprime tiers in the months to come.

Tags: average term, Credit Scores, Delinquencies, Experian, Finance, new-vehicle financing, Payment Plan, used-vehicle financing

March 2010, F&I and Showroom - Feature

Primed for a Comeback

By Jim Bass

With the capital markets on the mend, special finance could be on the comeback trail, that’s if bank regulators and financial services reform don’t get in the way. Insider breaks down the market.

Tags: AmeriCredit, buy-here, pay-here , Chrysler, Credit Acceptance Corp., Experian, General Motors, special finance, subprime

February 2010, F&I and Showroom - Cover Story

Digital Battlegrounds

By Justina Ly

With the battle for customers going online, dealers are racing to get their hands around this budding marketing medium. Three dealers provide a peek into their strategies.

Tags: Experian, J.D. Power and Associates, KBB.com, Mudd Advertising, social media

January 2010, F&I and Showroom - Feature

Going in the Right Direction

By Melinda Zabritski

Experian's director of automotive credit says there were a few signs in the third quarter that automotive finance is on the rebound.

Tags: Credit, Experian, Finance, recession, vehicle recovery

October 2009, F&I and Showroom - Feature

Delinquencies Keeping Auto Finance in Slow Lane

By Melinda Zabritski

The economic downturn has put more than $25.5 billion in auto loans at risk, but there were some signs of improvement. Experian Automotive’s director of automotive credit gives her take on what continues to be an unpredictable market.

Tags: average term, Credit Scores, Delinquencies, Experian, Finance

September 2009, F&I and Showroom - Feature

Shifting Out of Survival Mode

By Gregory Arroyo

The industry shows signs of improvement in July and August, with AmeriCredit reporting a 4Q profit and DealerTrack increasing its number of active finance sources.

Tags: AmeriCredit, Dealertrack, Editorial Page, Experian, Ford Credit

July 2009, F&I and Showroom - Cover Story

Credit Codes Still a Mystery

By Melinda Zabritski

Not only are lenders staying away from anything subprime, they’re also pushing more consumers toward the used-vehicle market. And with more than $5.7 billion in loans reported 60 days delinquent, Experian Automotive predicts further market volatility.

Tags: average term, Credit Scores, deep subprime, Delinquencies, Experian, Finance, new-vehicle financing, nonprime, prime financing, subprime, used-vehicle financing

April 2009, F&I and Showroom - Feature

The Lines Are Blurring

By Gregory Arroyo

I’m really going to need a therapist after this turnaround. Like everyone, I’m looking for that silver lining in every new market report or economic news, but nothing good seems to stick these days.

Tags: American Finance & Automotive Services, Editorial Page, Experian, NADA, TransUnion

April 2009, F&I and Showroom - Feature

Tracking the 2008 Credit Crisis

By Melinda Zabritski

By the end of 2008, more than $7 billion worth of automotive loans were 60 days delinquent. Experian market analyst tracks the single-most challenging year for auto finance and provides her take on the road ahead.

Tags: Auto Loans, average term, Credit Scores, Delinquencies, Experian, Finance, Payment Plan

November 2008, F&I and Showroom - Feature

Our New Reality

By Gregory Arroyo

I was asked at the magazine’s September F&I Conference and Expo when I thought this mess we’re in would turn around. My response was, “Ask me again this time next year.”

Tags: AmeriCredit, Chrysler Financial Services, CNW, Editorial Page, Experian, F&I Conference & Expo, Ford Credit, GMAC Financial Services, NADA, Nomis Solutions

June 2008, F&I and Showroom - Feature

A Not-So Brave World

By Gregory Arroyo

I was on the F&I Forum the other day when I came across a topic post titled, “A Brave New Finance World.” And I have to tell you, after reading it I had to shake my head in disgust.

Tags: AFSA, CNW, Editorial Page, Experian, Nomis Solutions

January 2008, F&I and Showroom - Feature

The Year of the Used Car

By Gregory Arroyo

I’m sure you’re tired of all the media coverage surrounding the subprime mortgage arena, and all the doom-and-gloom talk floating around. But it’s not going to stop. What’s important is that you read between the lines.

Tags: AmeriCredit, Editorial Page, Experian, Wolters Kluwer Financial Services, Zurich Financial Services

February 2007, F&I and Showroom - Feature

What’s My Monthly Payment?

By Gregory Arroyo

Did you hear the news coming out of Edmunds.com just before the holidays? Leasing increases 21 percent in 2006. It seems as though DealerTrack’s Raj Sundaram’s prediction of its revival back in November is on par so far.

Tags: AFIP, Dealertrack, Editorial Page, Edmunds.com, Experian, F&I Conference & Expo

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Blog

So Here's the Deal

Ronald J. Reahard
Selling Warranty Compliance Plans

By Ronald J. Reahard
Do-it-yourself customers will tell you they prefer to save a few bucks by performing their own maintenance. F&I trainer has the perfect response for this common objection.

Handling the ‘Last Car’ Objection

By Ronald J. Reahard
Older clients who say they are buying their last car need to be protected just as much as a first-time buyer. The magazine’s resident F&I pro explains.

Sold But Not Closed

By Ronald J. Reahard

(Video) Measuring Up

By Ronald J. Reahard

Done Deal

Gregory Arroyo
Still a Work in Progress

By Gregory Arroyo
The editor explains why he put another digital retailing startup on the cover and looks at two studies that point to online car buying and financing still being a work in progress.

It Is Unwise to Lower Your Defenses

By Gregory Arroyo
The editor wonders how regulators, including two new mini-CFPBs in Pennsylvania and Maryland, view a consumer advocacy group’s highly critical report on how dealers price F&I protections.

What's Really Behind the Subprime Pullback?

By Gregory Arroyo

What’s Your Take?

By Gregory Arroyo

Mad Marv

Marv Eleazer
Love It or Leave It

By Marv Eleazer
His Madness is reminded that excelling at F&I requires true passion for the craft. He offers a few suggestions for staying focused and mentally sharp.

G.O.Y.A.

By Marv Eleazer
His Madness wants more F&I managers to improve turnover rates by taking an active role in the sales process.

The Little Things

By Marv Eleazer

Industry Summit: It’s Worth the Investment

By Marv Eleazer

On the Point

Jim Ziegler
Sharpen Your Survival Skills

By Jim Ziegler
‘Da Man’ has a plan you can use to survive the collapse of the car business and remain profitable through the dealer apocalypse.

Sales Rock Stars Still Exist

By Jim Ziegler
Da Man says $40,000-a-month sales rock stars still exist. He says you’ll find them on YouTube and Facebook Live.

The New Stooges

By Jim Ziegler

Is Your Quick Lube Driving Away Business?

By Jim Ziegler