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

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.

Collections professionals discuss the challenges they face in the current debt tsunami

Lessons learned from the 2008 global financial crisis can help guide collections and debt relief strategies now

Taking up innovations used in credit risk management can pay off handsomely in collections & recoveries

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