Modernizing Credit Scoring for the BNPL Era
Learn how FICO® Score 10 BNPL and FICO® Score 10T BNPL will incorporate BNPL accounts within credit reporting frameworks
Has the Reporting of Rental Data to the Credit Reporting Agencies (CRAs) Increased?
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
Credit Union Borrowers Use and Seek Credit More Than National Bank Borrowers
Credit union lenders need to be mindful of balancing opportunity and risk with their credit decisions
Student Loan Delinquencies Lower the Average FICO Score to 715
New reporting of student loan delinquencies among key drivers of the downward shift of credit scores
Average U.S. FICO® Score stays at 717 even as consumers are faced with economic uncertainty
Inflation fatigue puts more borrowers under financial pressure
Credit Union Borrowers’ Average FICO Score Slightly Decreased over the Last 2 Years
Debt and missed payments continue to rise, contributing to a change in the average
FICO Fact: You Can Have No Debt and a High Credit Score!
People with no current debt can – and often do - have a credit score higher than the national average
How Hyper-Personalized Communications Can Stop Scams
Waiting for your regulator to require improved customer communications on scams places you at risk of distinct competitive disadvantage vis-à-vis your competitors
Evaluating the inclusion of BNPL data in FICO® Scores
FICO is working with major Buy Now Pay Later service provider to thoroughly analyze new credit data source
How to Fight Scams Through Better Classification and Effective Tagging
Defining and understanding different scam typologies yields results when identifying and preventing authorized push payment fraud
Average U.S. FICO Score at 717 as More Consumers Face Financial Headwinds
Outlier or Start of a New Credit Score Trend?
Will Brazil’s New Scams Regulation Drive Change in Latin America?
Latin America needs to get ready for the consequences of the growth of real-time payments
APP Fraud: Get Ready Now for Global Scams Regulations
As regulators around the world roll out new rules to deal with APP fraud, these four tips can help payment service providers adapt to the new fraud prevention regimes
Average U.S. FICO Score at 718
Multiple Factors Impacting Scores, as Missed Payments and Consumer Debt Continue to Rise
Consumers prioritize auto over mortgage payments
What are the drivers behind this consumer shift in the loan payment hierarchy to pre-pandemic norms and is it likely to last?
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