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

Chief information officers are no longer back-office caretakers––they’re enabling business transformation through cloud, data, AI, and platform modernization

International banking leaders meeting at the FT Global Banking Summit found common challenges in adopting GenAI and managing its risks

The CIO’s Role in Achieving Responsible AI: Conduit in Chief

As visionary leaders Modern CIOs are the driving force in operationalizing the responsible use of artificial intelligence and generative artificial intelligence

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

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

More consumers are carrying credit card balances despite high rates, and delinquency rates continue to rise