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

Decision science and predictive analytics can enable businesses to make the most of all available data to anticipate customer needs and prescribe the best action.

Adopting machine learning to enhance not just the accuracy of models but also drive efficiency is critical to amplify a key asset - the analytic team – and stay competitive.

Alarmingly, from RFPs we’ve seen at FICO, many banks are creating systems that will either be non-compliant with SCA or will create an unacceptable customer experience

Fraud communications and other interactions are increasingly seen as a vital part of the customer experience.