Factors driving credit score decreases observed among student loan holders involved behaviors such as delinquency on credit products including bankcards, auto loans, and mortgages

Research shows balance aggregation results in modest impact to FICO® Scores

Analysis identified modest impacts to FICO Scores from forbearance-related potential increases in mortgage balance.

The set-up of a score validation can greatly influence model performance results — and sometimes inflate them

While the financial industry transformation features some of the same elements as their retail counterparts, its origins and intra-competitive responses are unique, and the results are still excitingly in flux.

Federal Reserve Board research concluded that "credit scores do not have a disparate impact across race, ethnicity, or gender.”