Modest reduction in the average FICO® Score in Canada as recent consumer credit trends continue

Monitoring a consumer's FICO® Score helps us understand how we got here and what may lie ahead for the average FICO Score

Highlighting results from FICO’s 2023 FICO® Resilience Index 2 benchmarking reports

Building portfolio risk resilience into customer acquisition

This four-part series looks at embedding portfolio risk resilience into decisions across the credit lifecycle through targeted application of the FICO® Resilience Index

FICO Score credit risk trends through the COVID-19 pandemic

Highlighting results from FICO’s release of FICO® Resilience Index benchmarking reports for 2022

Monthly report on UK credit card trends shows financial prudence with spending down and percentage of payments to balance up – but will lockdown stashes save the day or fade away?

August saw a two-year low in consumers paying less than the amount due on cards, although signs of financial pressure can be seen

Our UK Credit Market Report of UK card trends for July 2021 reveals that there was an uplift in missed payment rates, whilst spend on cards marginally fell

Credit card trends for payments and delinquencies show similar patterns in the US, the UK and Canada, though extra savings and government support are masking the pandemic's impact

Looking at trends for activity, utilization, spend, balances, usage, interest reveals new focus areas for issuers

Credit card spend 3.5% higher than June 2019, suggesting some households are benefitting from pandemic savings, but not everyone is confident in financial position

At the 2021 Edinburgh Credit Scoring conference, we will address scoring innovations that can improve decisions in all different economic scenarios

Markedly lower increase in card spend shows how consumers are reacting to the 'new normal'