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

FICO Score 10T gives mortgage lenders the flexibility and predictive power to make more precise lending decisions

How the FICO Platform can enable explainable machine learning models for more effective PD calculations

Fierce competition, open banking and financial inclusion drive the uptake of transaction analytics in lending

Through explainable machine learning models, behavioural and PD models for the retail banking sector can be created with higher levels of predictiveness.

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

Whilst the EU have rightly focused on the use of AI and data science strategic leadership, more needs to be done on AI explainability

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

We are launching a campaign to counter the widespread misinformation regarding important credit scoring facts and how to expand credit access responsibly.