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Frank Rauscher commented on Mike Gibb's blog post 'Banking on Higher Credit Scores'
When FICO first introduced credit scoring in California, I one of ten credit administrators at the 10 largest West Coast banks (including SeaFirst) that evaluated it. When challenged, FICO admitted that the primary determinant of a good score…
Frank Rauscher commented on Mike Gibb's blog post 'Banking on Higher Credit Scores'
While credit scores have helped reduce the time it takes to underwrite credit, it is debatable that they have helped the middle class of our country. They have helped the "rich get richer and the poor get poorer".
They gave a false sense…
Frank Rauscher commented on Mike Gibb's blog post 'Moving Cars at Christmas'
Higher end vehicles have the most profit margin (therefore bigger discounts/rebates/advertising allowance) in them; however,someone may have access to car sales data bases to better answer your question.
Frank Rauscher commented on Mike Gibb's blog post 'Moving Cars at Christmas'
You may find that end-of-year discounts/dealer & factory rebates, factory sales contests,etc to clear out 2011 inventory are a good reason to buy cars cars in December; and end-of-year financial numbers are very important to bank credit officers…
Frank Rauscher commented on Mike Gibb's blog post 'Come Out, Come Out Wherever You Are'
Is anyone doing this at present?
Frank Rauscher commented on Marcie Belles's video
So how did the existing format desired by McConnell work with regard to Fannie and Freddie?
It appears that one man (Barney Frank) was able to stop that oversight.
How did the various state usury laws work once Citibank paid off the South…
Frank Rauscher commented on Christina Haberstroh's blog post 'Experian: Subprime Originations Increase, Scores Come Down'
If your statement is correct about changes in the calculations, then the math laws of commutation would apply and in effect they have changed the score threshold.
Another factor would be the down payment required to get sub-prime…
Frank Rauscher commented on Marcie Belles's blog post 'S&P Downgrades 37 Financial Firms'
You are correct and it is one more reason to bring back Glass-Steagall or break up the mega banks.
At any rate, the media needs to host some event and let the ratings companies provide a PUBLIC EDUCATION and SYMPOSIUM for the bank…
Frank Rauscher commented on Mike Gibb's blog post 'Handling a Crisis'
Mike,
You are always good for creating thought. I am hoping that in this Auto Finance section, you will not get an overload - we will wait and see. If you had posted this in a mortgage loan blog or credit card blog or home equity loan…
Frank Rauscher commented on Christina Haberstroh's blog post 'Experian: Subprime Originations Increase, Scores Come Down'
It looks like interesting news. Can Experian tell you if their definition of a sub-prime score has changed in the last four years? If so, how has it moved? Up, down, roller-coaster?
Any similar news from the other 2 credit companies?
One…
Frank Rauscher commented on Marcie Belles's blog post 'N.Y. Auto Fraud Rings Scam 18 Lenders'
Chas is right on!
Frank Rauscher commented on Marcie Belles's blog post 'S&P Downgrades 37 Financial Firms'
Are some of these the same US banks that have told the Fed that they have too much capital, are too strong, and want to pay out big dividends and buy back their stock? How embarrassing!
It would appear that there is a big disconnect between…
Frank Rauscher commented on Mike Gibb's blog post 'A Car in Every Driveway'
Not sure whether to laugh or cry.
Did all of those Fannie and Freddie bureaucrats move to the SBA? We would need them to have the correct, educated government staffing in place; and, we could also help the rubber-stamp industry by ordering…
Frank Rauscher commented on Marcie Belles's blog post 'UBS Shutters Auto ABS Unit'
Short run thinking again. It took time to build the business unit and that time was at a cost initially.
Now it is too much money chasing too few quality assets currently. When the economy starts to move and pent-up car demand appears,ABS…
Frank Rauscher commented on Marcie Belles's blog post 'UBS Shutters Auto ABS Unit'
Did they try to sell it before they disbanded it?
Was the unit really worth nothing?
Frank Rauscher commented on Marcie Belles's blog post 'GM Financial Originates ‘Below Optimal’ U.S. Lease Volume in 3Q'
$32 million would be only about 1000 vehicles generated from about 4000 dealerships (not sure of how many of these are left in the US).
Is their lack of volume due to competition or inability to qualify applicants?
Profile Information
- First & Last Name
- Frank Rauscher
- Corporate Title
- Senior Principal
- Company
- Aquinas Associates
- Company Description
- consulting
- City, ST
- Dallas, TX
Comment Wall (2 comments)
- At 2:29pm on October 6, 2010,
Glenn S. Gottfried, CPA, CVLE said… - Frank,
It is my hope that 2010 ends well for you, your organization and our industry. I would like to introduce you to my company, GripFin, which provides advisory and investment services to auto portfolio originators, sellers and buyers of all sizes and credit spectrums. I would appreciate your visiting my profile and inviting me to become your friend. Thanks, Glenn Gottfried, CEO, GripFin, Inc. (gripfin.com).
- At 1:11am on August 26, 2010,
Chris Monk said…
- Frank,
I am looking for a partner to establish a nationwide skip tracing and repossession management firm. If you know any party that might be interested please forward them my information. The firm that I was V.P. of sales and marketing for averaged a $3,000,000,000 profit with only a fracture of national auto finance clients.
Chris Monk
cmonktls@yahoo.com
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