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Has the Reporting of Rental Data to the Credit Reporting Agencies (CRAs) Increased?

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 Borrowers Use and Seek Credit More Than National Bank Borrowers

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

Student Loan Delinquencies Lower the Average FICO Score to 715

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

Credit Union Borrowers’ Average FICO Score Slightly Decreased over the Last 2 Years

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

FICO Fact: You Can Have No Debt and a High Credit Score!

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

How to Protect Mobile Wallets from Prepaid Card Fraud

What are the strategies that are reshaping the battle against prepaid card fraud within the realm of mobile wallets?

Consumers prioritize auto over mortgage payments

What are the drivers behind this consumer shift in the loan payment hierarchy to pre-pandemic norms and is it likely to last?

Increased debt load poses risk to student loan borrowers

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

Student loan borrowers at risk of delinquency when payments resume

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

Consumers Prioritize Mortgage Payments Over Auto

What are the drivers behind this mortgage and auto loan payment hierarchy behavioral shift and is it likely to be a lasting trend?

Enterprise Fraud Solution Buyers Want More Agility, More Data

Our recent global survey reveals the investment priorities and functionality requirements for enterprise-level fraud solution buyers

Medical Collection Removals Have Little Impact on FICO Scores

Based on FICO’s analysis, only 3% of FICO scorable consumers would be impacted by medical collection removals

Does Your Fraud Department Have the Right KPIs?

Measuring the right things matters - if fraud reduction comes at a cost to customer experience, you may have the wrong fraud KPIs

Reduced Revolving Debt: A Key Driver of Improved FICO Scores During Pandemic

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

Got Enough Fraud… Models That Is?

When designing a strategy for detecting and preventing fraud, everyone always comes to the same conclusion—there is no silver bullet.

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