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

Predictive analytics, optimization and omni-channel communications can transform collections strategy efficiency and performance

More effective debt collection strategies using optimization create a strategic advantage that builds customer loyalty and drives long-term profitability

Discover how debt collection predictive analytics boosts recovery, cuts costs, and personalizes strategies with AI-driven models and case studies

Omni-channel communications, analytics and optimization are bringing greater targeting to debt collection strategies, improving results and customer relationships

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

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

Digital channels can deliver great results across all risk groups and the entire debt collection lifecycle, improving the customer experience as well as portfolio performance

Modest reduction in the average FICO® Score in Canada as recent consumer credit trends continue

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

Omnichannel technology is one key to humanizing your collections strategy and personalizing treatment strategies

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

Black box models will be even more difficult to justify after a recent European ruling - explainable AI and reason codes with credit scores are critical

Monitoring a consumer's FICO® Score helps us understand how we got here and what may lie ahead for the average FICO Score

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