May your table be filled with joy and gratitude this season. From all of us @dotData:
Key Takeaways The yield spread serves as a crucial lever: In December 2025, the Dealertrack…
Key Takeaways Crisis-level delinquency on a larger balance sheet: The 90+ DPD auto loan delinquency…
Key Takeaways Adoption is ahead of delivery: Nearly two-thirds of financial institutions have not yet…
Key Takeaways EPD Vulnerability: Conventional credit decisioning software looks at applicant data in isolated silos…
The Macro Reality: Total U.S. auto loan debt has reached a historic $1.685 trillion, prompting…
Key Takeaways The Velocity Problem: Traditional 30-60 DPD (Days Past Due) reports are lagging indicators…