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

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.