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 lenders need to be mindful of balancing opportunity and risk with their credit decisions

New reporting of student loan delinquencies among key drivers of the downward shift of credit scores

Debt and missed payments continue to rise, contributing to a change in the average

People with no current debt can – and often do - have a credit score higher than the national average

What do credit score high achievers have in common and what can we learn from the credit behavioral characteristics in these populations?

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

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

Paying down credit card balances, driven by reduced spending, increased savings and awareness, among other factors, helped many consumers show improvement in FICO® Scores.