As merchant acquiring models evolve, fraud management must expand beyond traditional transaction monitoring toward a broader view of ecosystem governance

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

Merchant acquirers now demand sophisticated onboarding automation, dynamic pricing intelligence, and predictive analytics to win and retain profitable merchant relationships

Improve customer management and reduce losses from check fraud by managing payment hold strategies using analytics

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

Enhance your customer management strategies to boost enterprise revenue through overlimit authorisations

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

The benefits of active vs. passive use of FICO customer management technology are clear

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

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

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

Credit card balances continue to rise, early-stage delinquency begins to show signs of flattening