The unsecured personal loan delinquency rate (60+ days delinquent) remained steady in Q2 2016 at 3.30%, its lowest post-Recession level and a slight decline from 3.32% in Q2 2015.
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Collection and Use of Information Internet Information - When you visit our Website, we may collect general Internet data, including your Internet protocol (IP) address, the web page from which you entered our site, which of our web pages you visited, and how long you spend on each page. To collect this information, when you visit our Website, a "cookie" or a “Flash® cookie” may be set on your computer. Cookies and Flash cookies contain information that allows our web servers to recognize you whenever you visit. We use the information we collect to study how our Website is used, so that we may improve and enhance your experience on our Website. We do not provide this information to outside parties other than for such reasons. No personal information is stored in cookies. Your web browser should allow you to manage cookies.
In addition, we may use Google Analytics to obtain anonymous information collected from other websites on which we display advertisements that are designed to bring visitors to our Website. We use this information to understand how visitors, who arrive at our Website by clicking on those advertisements, interact with our Website. We may also use this anonymous information to enhance or modify our advertisements, and may provide this information to TransUnion Interactive (TrueCredit and zendough). You may opt-out of this anonymous data collection and sharing activity visiting the Google Analytics Privacy Overview web page and following the procedures noted under the Browser Opt-out section. You may search for that web page at www.google.com.
You Provide - When you provide information through our Website, we may use it for various reasons, such as our credit reporting business, our consumer business, market research and recruitment. Based on the nature of your transaction with us, you may provide to us certain personally identifiable consumer information, such as first and last name; home address, billing address, or other physical address; an email address (so we may contact you); a telephone number; a Social Security Number; or certain other information, such as date of birth, employment information, and certain credit card and loan account information (collectively, “Personally Identifiable Consumer Information”). In general, we will use the information collected from you for the purpose for which you provided such information. We will not release your Personally Identifiable Consumer Information to third parties except: (1) as necessary for us to process your transaction, or (2) as permitted by law. These third parties are not allowed to use Personally Identifiable Consumer Information except for the purpose of providing these services.