This blog explores the role credit scores have in the mortgage lending and automated underwriting process. This is particularly important for conforming mortgages or mortgages sold to government-sponsored enterprises (GSEs).

Can scoring trended data, or more accurately, trended credit bureau data, as some credit score companies claim, actually help expand credit access to these consumers?

IFRS 9 changes the accounting recognition of loan impairment from an “incurred” to an “expected” loss basis, requiring new predictive models that bring the worlds of accounting and credit risk modelling ever closer together.

When you stop to think about it, the term “alternative credit data” is a catch-all phrase to describe data that is not c...

How much impact does a short sale have on FICO® Scores? How about a foreclosure? FICO research sheds light on this very subject.