Deutsche Bank Reiterates Buy Rating for TransUnion (TRU)

Deutsche Bank Reiterates Buy Rating for TransUnion (TRU)
TransUnion (NYSE:TRU)'s stock had its “buy” rating reissued by research analysts at Deutsche Bank in a research report issued to clients and investors on Tuesday, Analyst Ratings.Net reports. Several other analysts have also recently issued reports on …
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TransUnion (TRU) Short Interest Update
TransUnion logo TransUnion (NYSE:TRU) was the recipient of a large increase in short interest in the month of December. As of December 31st, there was short interest totalling 1,278,678 shares, an increase of 41.7% from the December 15th total of 902 …
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New TransUnion Analysis Finds Using Court Record Violation Data Helps Predict
A new TransUnion (NYSE: TRU) study showed a clear correlation between court record violation activity and homeowners insurance loss ratio performance. In fact, the non-weather loss ratio was approximately two times greater for those with the most …
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Freedom Financial System Expresses Concern About Rapid Bank Card Investing

San Mateo, Calif. (PRWEB) June 18, 2015

U.S. consumers seem to be gaining self-confidence your economy is regarding the mend, and additionally they responded in April by the addition of notably with their personal credit card debt, notes the Freedom Financial Network Quarterly touch upon consumer debt and credit dilemmas.

“By far, the biggest financial indicator within the April reports that have only been released may be the $ 20.5 billion boost in credit rating, which was driven by an 11.5 % upsurge in bank cards,” said Kevin Gallegos, vice-president of Phoenix functions for Freedom Financial system (FFN). “We have actuallyn’t seen a jump this big in charge card consumption since July 2011.”

Other financial actions suggest a reasonably steady economy. Borrowing for vehicles and knowledge financial loans increased by 5.8 per cent, much more slowly than in the previous couple of months. Income is up a little above individual expenditures, and work image continues to be constant. Nevertheless, many observers are concerned towards slowness for the U.S. economic recovery, therefore the International financial Fund last week urged the Federal Reserve to postpone any increases in its key interest rate until 2016.

“Fortunately, customers do have a little higher income, however the remarkable increase in charge card usage is worrisome,” added Andrew Housser, FFN co-founder and CEO. “In some cases, customers might be spending and likely to pay off their financial obligation with greater profits. But this trend additionally could show that ındividuals are relying on credit cards because they do not have enough liquid funds to cover needed costs.”

Freedom Financial system observes a number of financial signs closely and provides customer education in its strive to assist customers get out of debt and stay from financial obligation.

Current economic information as reported:

1.    Complete personal debt styles up. Complete outstanding credit rose by $ 20.5 billion, or 7.25 %, in April (the most recent data available). Using the enhance, total personal debt (excluding home loan debt) is projected at $ 3.385 trillion. Outstanding financial obligation features hit a unique large each one of the past 41 successive months.

2.    Revolving debt propels up. For the first time since at least 2010, revolving debt enhanced quicker than non-revolving financial obligation (debt for cars and knowledge financial loans). Complete consumer revolving debt, which include personal credit card debt, skyrocketed in April by 11.5 %. That’s the biggest increase since July 2011. U.S. customers now hold complete revolving debt of $ 899.5 billion.

3.    Personal earnings consistently increase. In April (the most recent data readily available), private earnings rose by $ 59.4 billion, or 0.4 %, a pace that’s been continuing to boost. Throwaway personal income increased by 0.4 per cent, or $ 48.8 billion. Private spending reduced by not as much as 0.1 percent in April.

4.    Customers still save. In April, consumers conserved 5.6 per cent of the earnings, up from 5.2 percent in March. This cost savings price features inched up since 2014.

5.    Unemployment essentially unchanged. The national unemployment rate was 5.5 % in-may, really unchanged since February. The number of individuals who are utilized part-time, but desire much more work, has relocated very little recently and continues to be at 6.7 million. But the sheer number of lasting unemployed folks within the U.S. has actually reduced by 849,000 previously 12 months.

The FFN Quarterly Comment pulls collectively considerable analytical releases and offers quarterly touch upon prompt debt and credit issues that matter to customers. To schedule a job interview with Kevin Gallegos or Andrew Housser, contact Aimee Bennett at 303-843-9840 or aimee(at)faganbusinesscommunications(dot)com.

Freedom Financial System (

Freedom Financial Network, LLC (FFN), provides extensive credit rating advocacy services. Through the FFN category of businesses – Freedom debt settlement, Freedom Tax Relief, ConsolidationPlus, FreedomPlus and – FFN works as an unbiased advocate to supply extensive financial solutions, including debt consolidating, financial obligation quality, debt consolidation and income tax resolution solutions for customers experiencing debt. The company, that has dealt with more than $ 3.5 billion with debt and assisted a lot more than 300,000 customers since 2002, is an accredited person in the United states Fair Credit Council, and a platinum person in the Overseas Association of pro Debt Arbitrators.

Based in San Mateo, California, FFN additionally operates a company in Tempe, Arizona. The company, with over 800 staff members, ended up being voted one of the better locations to operate into the San Francisco Bay area in 2008, 2009, 2012, 2013 and 2014, inside Phoenix area in 2008, 2009, 2010, 2012, 2013 and 2014. FFN’s founders tend to be recipients for the Northern California Ernst & Young Entrepreneur of the season Award.


SubscriberWise creator Provides brand new Evidence of the presence of Lender-Based best Credit Scores after getting a credit rating Disclosure Notice from SunTrust Bank

Atlanta, GA (PRWEB) December 21, 2014

SubscriberWise®, a leading provider of analytics-driven subscriber choice administration technology and also the nation’s largest providing customer reporting company when it comes to communications industry, launched these days that the company president features obtained a credit history disclosure notice from SunTrust Bank that included an amazing 850 lender-based credit history. The rating ended up being produced on credit bureau data from national repository Equifax. The credit score disclosure provides additional and undeniable proof that home loan and lender-based perfect credit scores tend to be, in reality, attainable.

View the credit score disclosure from SunTrust:

“According to FICO, lower than one % associated with scorable adult credit ingesting populace have actually an amazing credit history of 850 (FICO’s 300 to 850 model),” stated David Howe, president of SubscriberWise. “Credit Professional and Author of ‘the trail to 850’ Al Bingham states he’s never seen a great FICO rating. Today, we distribute extra evidence that lender-based perfect results are possible,” Howe concluded.

In 2010, SubscriberWise revealed its user operators had customers who originated with perfect 850 credit scores: .

About David Howe and SubscriberWise

David Howe could be the highest attaining credit consumer in U.S. financial and financial history (at the very least since William Fair and Earl Isaac created general-purpose credit ratings more than a quarter-century ago). Howe intends to demystify consumer credit and fico scores for people every-where by sharing his tale and experiences. Credit and credit ratings impact many areas of a person’s monetary life. Excellent credit provides benefits and options; bad credit restrictions alternatives and prices a real income.

Hearing the reality about credit ratings from just resident around the globe – living or deceased – known to have accomplished multiple perfect FICO 850 ratings across every nationwide repository and multiple perfect Vantage ratings at Equifax, Experian, and TransUnion – also having acquired positioning when you look at the 100th percentile across nearly all rating model available – is supposed to enable and encourage consumers just who are struggling with their particular credit and eager to get back to their foot.

Pursuing perfect credit is scarcely the purpose and it also shouldn’t become an obsession; instead this is the fact that it’s feasible. It entails patience as well as mindful monetary maneuvers over a tremendously long period. And because nobody can manage life events, set-backs are inescapable. David Howe proves it is achievable despite his own difficulties and life events during his near half-century presence on planet earth. Howe features actually invested decades with hours and hours and 1000s of dollars following and mastering personal credit and FICO ratings specifically. Your time and effort features repaid and has now perhaps not gone unnoticed.

David Howe coined the definition of “community-made millionaire” (while dismissing any idea of “self-made”) and makes use of this to describe himself and his business and economic successes. It might be identified by some as conceited, but its function would be to motivate anybody who is achieving with their goal(s)…whatever those goal(s) might. Howe helps it be a place to admonish anybody who offer another short for seeking their personal targets and aspirations.

“My clothes can be funny, nonetheless they’re making me the cash!” – Liberace

Howe ended up being and it is unsuccessful at recreations and athletics; he lamented his not enough physical prowess as a guy. But because of his household, their pals, his co-workers, his training, their continued interest in discovering, tradition, and travel – including an uncle and scholar of United states jurisprudence – just who mentored and inspired him constantly…Howe achieved several of his personal targets.

Nevertheless the bar is set high and there may continually be an agenda and an aspiration for David E. Howe.

Howe is the founder, president, and bulk share-holder of SubscriberWise, the country’s very first and largest providing CRA the communications industry. Within the last ten years, Howe is consulted by every leading communications operator in the nation including Sprint, Time Warner, Mediacom, Metrocast, Atlantic Broadband, Armstrong, Antietam, Comporium, Grande, Cincinnati Bell, Cable ONE, Shentel, BendBroadband, NewWave Communications, USA Communications, Packerland Broadband, GTA Telegaum, and quite a few others to incorporate here.

Howe’s enthusiasm with credit and risk administration can be obtained all around the industry these days. Today SubscriberWise touches a U.S. customer every minute each and every hour of each and every time. In 2014, SubscriberWise ended up being named champion in CableFAX Tech Awards in the sounding commercial software, among a remarkably competitive environment that was ready to accept every MSO and technology seller in North America.

SubscriberWise efforts to your communications industry are these days quantified when you look at the tens of huge amount of money yearly.

Despite being a dedicated and tough employee, Howe is a vagabond and minimalist just who prefers to travel from city to town – on a whim – at his single discernment; seldom an insurance policy and frequently no place in particular. Howe is many contented with an easy existence, a watch on health and wellbeing, friends, hot and sunny climates, and – more than anything else – a morning coffee-and an afternoon imbibe of dark wine.

Howe keeps a co-employee and Bachelor of Arts level from university of Arts and Sciences at Kent State University with an educational focus in person behavior at the macro amount, governmental research, and public management. He could be an associate of Pi Gamma Mu, the country’s earliest and preeminent honor community when you look at the personal sciences and Alpha Kappa Delta, the international sociology honor society. Howe was among the first professionals within the nation to obtain the FICO Professional Certification. Howe had been interviewed on the subject of perfect credit by and The Motley Fool and it is the very first and just citizen of the world to spell it out the important points of perfect FICO and Vantage ratings to U.S. reporters.

Howe produced and published two videos about perfect credit: FICO 850 credit file Facts and FICO Scores: the important points.

If David E. Howe can do it, then you can get it done!

Much More Experian Press Releases

AgFirst Farm Credit Bank chooses Bizagi BPMS for its financial cooperatives

London, UK (PRWEB UK) 21 August 2014

AgFirst Farm Credit Bank, Columbia, South Carolina, USA has selected Bizagi BPMS for a strategic BPM initiative following an extensive due diligence. Bizagi BPM Suite will be used to rapidly develop numerous departmental business solutions that will improve organizational efficiencies.

A thorough evaluation process compared several leading BPMS vendors and included an onsite Proof-of-Concept project, which Bizagi won. The key factor that differentiated Bizagi against its competitors was its ease of use and rapid application development environment.

Using the Bizagi Process Modeler, Business and Technical teams have been able to effectively collaborate to rapidly build robust, process-oriented systems. These systems are available through an intuitive web or mobile-based user interface and include advanced reporting and analytics capabilities.

AgFirst has also recognized the great benefits to be gained from Bizagi’s very comprehensive self-service ‘knowledge center’ which includes free eLearning courses, full product documentation and video tutorials. Tailored online instructor-led training courses have enabled fast knowledge transfer and further decreased the overall risk of investment.

Tony Stone, VP of Business Applications at AgFirst commented:

“We like Bizagi’s transparent business model; the ability to download both Modeler and Studio for free gave us a welcome opportunity to test the system’s capabilities in great detail prior to purchasing. Bizagi’s tools that allow for rapid application development and promote collaboration between business and technology teams, are key product strengths. Furthermore, using the online support and Bizagi consulting services, we were able to quickly become self-sufficient in using the product.”

Gustavo Gomez, Bizagi CEO added:

“I’m very pleased that AgFirst has selected Bizagi to build their BPM based solution. As AgFirst has demonstrated, providing prospects with early access to the software is clearly an effective measure; customers like the idea of testing our capabilities to the full before making any financial commitment. They also tell me that dealing with Bizagi has been very refreshing and that our entrepreneurial approach to business made this a very easy decision for them, which is all credit to the Bizagi team.”

About Bizagi

Bizagi (which stands for business agility) is a privately-owned company run by software entrepreneurs who are experts in Business Process Management (BPM). Over 350 global customers have selected Bizagi to model and automate their business processes which results in improved operational efficiencies, shorter time to market and business agility. Our enterprise customers gain significant competitive advantage by using Bizagi’s software to streamline mission-critical processes (cross-functional, complex and international) as well as mundane daily routines. With global headquarters in the UK, offices in Europe, USA and Latin America, Bizagi is supported by a strong implementation partner network worldwide. For more information, please visit

About AgFirst:

AgFirst Farm Credit Bank is part of the national Farm Credit System, the largest agricultural lending organization in the United States. With assets of more than $ 27 billion, AgFirst provides funding and financial services to 19 farmer-owned financial cooperatives in 15 eastern states, Washington, D.C., and Puerto Rico. These cooperatives, operating as Farm Credit and Ag Credit agricultural credit associations, provide real estate and production financing to more than 80,000 farmers, agribusinesses, and rural homeowners.

Media information:

Vasileios Kospanos

T: +44 (0)1494 618428

M: +44 (0)7539 181256

E: vasileios.kospanos(at)bizagi(dot)com