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.

The UltraFICO Score enables lenders to make more refined credit decisions than they can with the traditional FICO Score alone.

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

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

A key point that the experts underscored during the Financial Inclusion sessions at LendIt was that expanding financial inclusion is a win-win proposition.