The New Era in Mortgage Credit Risk
How migrating to FICO® Score 10T can help you gain first-mover advantage on non-conforming mortgage loans
UK Credit Cards: Average Spending and Balances Reach New High
High prices lead to highest average credit card spend and balances since FICO records began
UK Credit Cards: Pre-Holiday Spending and Payments
UK card sales and cash spend fell before the usual Christmas upturn, although inflation means spending was higher than the same period in 2022
UK Credit Cards: Stable Activity in September Ahead of Holiday Period
UK credit card missed payments and total balances rise, while spending falls ahead of the festive period
UK Credit Cards: Summer Saw Spending and Balances Rise
FICO UK Credit Report shows worrying trends as average spend per credit card rose while payments to balance rose and fell
UK Cards: June Data Shows Spending Spike in Cost-of-Living Squeeze
Average spend on UK credit cards rose to highest level in 15+ years as inflation remains high
UK Cards: FICO Data Shows Delinquencies and Spend Are Rising
The impact of stubbornly high inflation is evident in changing patterns on UK credit cards
Critical Ingredient to Identify Healthy Mortgage-Backed Securities
FICO® Scores: A critical element in cash flow analysis for proper valuation.
UK Cards: Spend and Balances Rose in March / April 2023
Unpredictable consumer spending puts banks on high alert as deadline for new Consumer Duty Guidance nears
UK Cards Data: Cardholders Spent More in February, But Paid Less
New FICO data demonstrates cost-of-living pressures across spend and missed payments as UK consumers battle to manage finances
UK Credit Cards: Are "Established" Accounts in Trouble?
FICO data reveals worrying trends developing amongst established credit card users as missed payments rise
Why Credit Scores are Crucial to Healthy Securities
The value of asset-backed security is determined by the cash flows generated by the underlying assets and understanding the predictability of those cash flows
UK Cards Data: Increase in Cardholders Missing Two Payments
Many UK credit cardholders who missed one payment in December continued to struggle with their debts in the new year, with a marked increased in two missed payments
UK Card Spend Reaches Highest Level Since at Least 2006
FICO data shows that inflation and Christmas consumer spending saw a sharp rise in December, while more UK customers missed a payment
UK Credit Cards: More Consumers Missing Second, Third Payments
FICO's monthly report on UK credit cards shows some financial resilience on the part of consumers, but a trend toward payment slippage
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