A new software product released by Experian Capital Markets analyzes risk in whole loan portfolios. Experian Capital Markets -- a division of Dublin, Ireland-based information services provider Experian -- said its Credit Horizons for Whole Loan Portfolios uses consumer credit data, credit risk scores and predictive attributes to provide an overview of a loan portfolio’s borrowers. This information is helpful for investors when projecting the future performance of a portfolio. “Attributes such as credit card utilization rates are predictive indicators of early mortgage delinquency,” said Ethan Klemperer, Experian Capital Markets general manager and senior vice president. “Borrowers who exhibit high credit card utilization are 27 times more likely to default on their mortgages within the subsequent three months,” he added. Write to Austin Kilgore.