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.

Using FICO Scores for account management can help lenders identify which borrowers have increased risk

The set-up of a score validation can greatly influence model performance results — and sometimes inflate them

In this post, I will share analysis that shows why using account management scores in addition to account origination scores is important.

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.