Raddon Chart of the Day December 13, 2012

Raddon Chart of the Day
December 13, 2012
Student Loan Status

3%

Never Had One/Do Not
33% Anticipating Opening One
Currently Have/Previously
Had a Student Loan
64% Plan on Obtaining One

Percent of All Online Respondents

Source: Raddon Financial Group, National Online Consumer Research – Fall 2012
©2012 Open Solutions Inc. Raddon Financial Group (RFG) is a business unit of Open Solutions Inc. www.raddon.com | 800.827.3500

December 11, 2012
Likelihood of Home Owners to Use a
Personal Loan Instead of Equity Credit
3% 5%

13% Extremely Likely
Very Likely
Somewhat Likely
Not Very Likely
51% Not at All Likely
28%

Percent of Online Respondents That Are Homeowners


December 6, 2012
Preferred Method to be Contacted by PFI
with a Competitive Finance Offer

35% 28%
By Mail
By E-Mail
By Phone
Prefer Not to Be Contacted

26%
11% Percent of All Online Respondents


December 4, 2012
One-Quarter Anticipate Opening a Loan in the Next 12 Months

Any Loan 27%
Credit Card 7%
New Auto Loan 6%
Mortgage Loan (Refinance) 5%
Used Auto Loan 5%
Student Loan 5%
Mortgage Loan (New) 3%
Home Equity Line 1%
Home Improvement Loan 1%
Home Equity Loan 1%
Auto Lease 1%
Debt Consolidation Loan 1%
Small Business Loan 0.4%
Any Other Type of Loan 1%
None of the Above 73%

0% 20% 40% 60% 80%


November 29, 2012
Action Taken When Loan/Credit Request Was Not Granted

16% Secured the Loan/Card Elsewhere

40% Planned to Seek Loan/Card at a Future Date

21% Taking Steps to Improve Credit Standing

Took No Further Action Regarding Loan/Card

23%
Percent of Online Respondents That Applied and Were Turned Down for Loan


November 27, 2012
Almost One-Fifth Indicate That They Have Applied and
Been Turned Down for Loan in the Last 12 Months
Any of the Loans Listed 16%

Credit Card 11%

Line of Credit 4%

Consumer Loan 3%

Mortgage for Refinance 3%

Mortgage for Home Purchase 2%

Home Equity Loan or Line 1%

None of the Above 84%

0% 30% 60% 90%


November 15, 2012
Over One-Quarter Perceive That Their Ability to Borrow Has Been
Negatively Impacted Due to Current Economic Conditions

Economy Has
Negatively Impacted
the Ability to Borrow
27%

Economy Has Not
Negatively Impacted
the Ability to Borrow
73%



November 13, 2012

Most Consumers See No Evidence That the Recession Is Over

Not Sure
14%

Definitely See Evidence
Economy
Is Improving
11%

See No Evidence
Recession Is Over
56%

Have Just Begun to See
Signs Recession Is
Ending
19%



Raddon Chart of the Day December 13, 2012

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Raddon Chart of the Day December 13, 2012