Factors driving credit score decreases observed among student loan holders involved behaviors such as delinquency on credit products including bankcards, auto loans, and mortgages

FICO recognized by Forbes for the third consecutive year

Achieved high in the overall and IT, Internet, Software & Services category

Research shows balance aggregation results in modest impact to FICO® Scores

Best Practices: Must-have checklist for winning pooled models

Build Stronger, More Profitable Portfolios with Pooled Models that Drive Smarter Originations Decisions

Using pooled models in addition to bureau scores can help creditors make more precise, value-based decisions at the origination stage.

Analysis identified modest impacts to FICO Scores from forbearance-related potential increases in mortgage balance.

At FICO, our top priority is the health and safety of our employees, clients, partners and the communities where we live and work.

The set-up of a score validation can greatly influence model performance results — and sometimes inflate them