SUMMER ISSUE | SEPTEMBER 2010
Evolving fraud strategies that work
Busting bust–outs before their balances build.

Experian® is excited to announce the results of a study that determined the potential savings associated with identifying accounts that are likely to bust out. Upon request, every U.S.–based card issuer that contributes data to Experian's File OneSM consumer credit reporting database has the ability to recognize these effects within its own portfolio.

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Combating shell & shelf companies
Desperate times call for desperate measures. With revenues down and business loans tougher to get than ever, "shelf" and "shell" companies appear to be on the rise. Shelf companies are defined as corporations formed in a low–tax, low–regulation state in order to be ultimately sold for their excellent credit rating.

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Discovering cost and time saving opportunities in your fraud review
As Experian clients shift their focus toward acquiring new customers, many are taking advantage of the opportunity to review and re-tool their current fraud, authentication and compliance related processes. While many lenders and retailers feel that their fraud losses are within a tolerable range, most are facing the next big question, "How do we reduce expenses without increasing fraud losses?"

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White House releases draft strategy to fight online fraud
Challenges with online identification have gained attention from policymakers as the White House released a draft strategy, called the National Strategy for Trusted Identities in Cyberspace. The strategy is intended to develop policy to reduce cybersecurity vulnerabilities and improve online privacy protections. However, the draft falls short of identifying current industry practices, including the use of knowledge–based authentication.

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Also In This Issue:
Hot Topics
Portrait of a fraud victim — who's most at risk? Compared with a general population of credit applicants, identity fraud victims live in neighborhoods where: The median income is 11 percent or higher, the percentage of new vehicles is 13 percent or higher, the percentage of luxury vehicles is 26 percent or higher and the percentage of homeowners is 23 percent or higher. Get more insight and sign up to receive weekly credit trends.
Join our blog discussion. Participate in a dialogue on fraud detection trends and best practices.
Experian in the News
The Wall Street Journal
Credit-Card Rates Climb
U.S. News
Do You Live in a High-Debt City?
The Baltimore Sun
Deciding to walk away from mortgage and home
Complimentary Webinars
Unique insights on consumer credit trends – highlights from the Q2 2010 Experian–Oliver Wyman Market Intelligence Report
Other Newsletters
Fraud Advisor — Spring 2010
Experian News — Spring or Summer 2010
AML Newsletter — May 2010
Product Spotlight
BizIDSM
Verify your customers' individual and business identity while protecting your bottom line.
BustOut ScoreSM
Prevent Bust-out losses with industry leading analytics.
Events
ABA Money Laundering Enforcement Conference
Oct. 17–19, 2010
Washington D.C.


RMA Annual Risk Management Conference
Oct. 17–18, 2010
Baltimore, MD


ABA/RMA Small Business Banking Conference
Nov. 14–16, 2010
Fort Worth, TX

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