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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

How to Build a Winning Customer Communication Strategy to Reduce Fraud and Improve Debt Resolution

Reducing fraud, improving debt collection and building customer loyalty are three gains businesses can achieve with a great customer communication strategy

Using SMS, RCS and WhatsApp in Omni-Channel Communications

Lenders in Brazil can improve collections and fraud strategies by optimizing the balance of digital message channels

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

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

Shifting Customers from Branches to Digital Account Opening

FICO survey shows even digital-savvy customers still prefer to open accounts in branches - understanding their reasons can help you give them confidence in digital channels

What Is the Best Way to Automate Telco Collections Communications?

By predicting customer scenarios and automating collections communications, telco operators can improve collections and lower costs

Credit and Risk Trends in Brazil Highlight Need for Tailored Treatment

July data shows Brazil's credit portfolio is in good shape - combined with a decline in delinquency, this makes a fertile ground for credit granting

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

Brazilian Credit Risk Trends Reveal Growth Opportunities

This deep dive into the credit health of the Brazilian market presents a positive national scenario, leading to recommendations for growth in multiple credit products

Application Fraud – Real-Time and Integrated Solutions Are the Priority

Fraud prevention leaders outline their concerns and priorities for tackling application fraud at FICO virtual roundtable

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?

Increased debt load poses risk to student loan borrowers

Student loan borrowers’ increasing debt trajectory through the pandemic has been outpacing that of non-student loan borrowers

Student loan borrowers at risk of delinquency when payments resume

Student loan borrowers already exhibiting higher delinquency rates than they did pre-pandemic on some credit products

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