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Has the Reporting of Rental Data to the Credit Reporting Agencies (CRAs) Increased?

FICO Score 10T includes rental data, but consumers can only experience the benefit of this to the extent that their rental data is reported to the CRAs

Using SMS, RCS and WhatsApp in Omni-Channel Communications

Lenders in Brazil can improve collections and fraud strategies by optimizing the balance of digital message channels

Credit Union Borrowers Use and Seek Credit More Than National Bank Borrowers

Credit union lenders need to be mindful of balancing opportunity and risk with their credit decisions

Student Loan Delinquencies Lower the Average FICO Score to 715

New reporting of student loan delinquencies among key drivers of the downward shift of credit scores

Credit Union Borrowers’ Average FICO Score Slightly Decreased over the Last 2 Years

Debt and missed payments continue to rise, contributing to a change in the average

A World Without FICO Credit Scores: What Was It Like?

Movement Mortgage’s Anna Benz discusses the importance of FICO Scores in the credit ecosystem

Credit and Risk Trends in Brazil Highlight Need for Tailored Treatment

July data shows Brazil's credit portfolio is in good shape - combined with a decline in delinquency, this makes a fertile ground for credit granting

The Crucial Importance of Precision and Accuracy in Mortgage Lending

Six pivotal reasons why accuracy is paramount in credit scoring for mortgage loans

FICO Fact: You Can Have No Debt and a High Credit Score!

People with no current debt can – and often do - have a credit score higher than the national average

Brazilian Credit Risk Trends Reveal Growth Opportunities

This deep dive into the credit health of the Brazilian market presents a positive national scenario, leading to recommendations for growth in multiple credit products

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

Consumers prioritize auto over mortgage payments

What are the drivers behind this consumer shift in the loan payment hierarchy to pre-pandemic norms and is it likely to last?

Increased debt load poses risk to student loan borrowers

Student loan borrowers’ increasing debt trajectory through the pandemic has been outpacing that of non-student loan borrowers

Student loan borrowers at risk of delinquency when payments resume

Student loan borrowers already exhibiting higher delinquency rates than they did pre-pandemic on some credit products

Critical Ingredient to Identify Healthy Mortgage-Backed Securities

FICO® Scores: A critical element in cash flow analysis for proper valuation.

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