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

These best practices can help you not just meet regulators’ requirements but also increase the value your models add to the business

Here is useful information on how to assess alternative data and combine it with so-called traditional data to improve credit risk analytics

With the right technology it is now possible to drive out manual or high-friction interventions and offer seamless, near-instant credit decisions across multiple sales channels

This FICO World presentation highlights the vital importance of balancing customer care with collections success in a highly regulated environment

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

Credit unions saw a slowdown in severe delinquency impacting their credit card portfolios to finish 2024, with increases in average monthly spend and average balance

Credit card delinquency rates picked up in the back half of the year as spending slows

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

Credit card delinquencies are stabilizing in early buckets while consumers continue to spend

A new supervisory statement from the Bank of England suggests stronger controls are needed, and the principles are good guidance for banks globally

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

Regulatory pressures and waning trust are among the factors forcing banks to better meet customers’ needs - here are some best practices

Credit card balances and severe delinquencies are growing but positive signs are starting to appear